Getting your first credit card is a major milestone that, when used responsibly, can support long-term financial health. But before you fill out that first application, it’s important to understand how credit cards work, what credit card issuers look for in an applicant, and how to responsibly use your card from day one.

We'll walk you through everything you need to know – from building a credit profile to wisely using your card to build credit, avoid financial pitfalls and unlock all the benefits a credit card can offer.

Understanding Credit Cards

Credit cards are a form of revolving credit that let you borrow money from a credit card issuer – up to a set limit – then repay it later. Unlike a debit card, which pulls money directly from your bank account, a credit card gives you access to borrowed funds, with the expectation that you’ll repay the balance when it’s due.

When used responsibly, a credit card can help you build a strong credit history, earn perks and rewards, and manage your personal finance needs. But when they’re used carelessly, you can face everything from high-interest debt to a damaged credit score. That’s why starting with a solid understanding of how credit works is essential.

Checking Your Credit Score

Before you apply for your first credit card account, make sure to check your credit score and review your full credit report. These tools give you a snapshot of your creditworthiness: how likely you are to repay borrowed money.

You can get a free copy of your credit reports from each of the three major credit bureaus – Experian, Equifax and TransUnion – at AnnualCreditReport.com. While your credit report gives all the details of your borrowing history, your credit score is the three-digit number that summarizes it. Most credit card companies offer free tools to help you monitor your score.

If you don’t have a credit score yet, don’t worry. Many starter credit cards, such as a secured card or student credit card, are designed specifically for applicants with a limited credit history or no score at all.

Researching Credit Card Options

It's important to do your research before applying for your first credit card. Remember that different credit cards offer different benefits, fees and approval requirements. Some are designed for people building credit, while others reward spending with perks. You’ll need to make sure you’re applying for the card that best meets your financial needs.

Here are some common types of credit cards you should consider:

  • Secured credit cards: These cards require you to put down a cash deposit that acts as your credit limit. A secured credit card can be a good option for consumers without an established credit history.

  • Student credit cards: These cards are designed especially for young adults in college. They often feature low or no annual fees and a basic rewards structure.

  • Unsecured credit cards: These credit cards don’t require a deposit, but they may be harder to qualify for without a positive credit history. If you’re interested in an unsecured card, the Juzt Digital Credit Card may be a good option that helps you build your credit without tying up money with a security deposit.

  • Rewards credit cards: Rewards credit cards offer cash back, points or miles on purchases, but they may also charge annual fees or require good to excellent credit to qualify.

Credit unions and major banks both offer options worth comparing.

Choosing the Right Credit Card

As you weigh your credit card options, you should consider your current credit profile, your spending habits and your financial goals. For example, ask yourself the following questions:

  • Would you rather have a low annual percentage rate or credit card rewards?

  • Can you responsibly manage a credit card bill each month?

  • Are you OK with an annual fee, or would you rather have a no-fee starter card?

  • Is your goal to build credit or to earn a rewards program benefit?

Most credit card companies clearly outline eligibility requirements and credit card features. Some even offer prequalification tools – these are soft credit inquiries that let you see your approval odds without impacting your credit score.

Gathering Required Documents

Before you apply for any credit card, you should prepare the information most credit card companies will ask for:

  • Full legal name and address

  • Date of birth and Social Security number

  • Employment and income details

  • Monthly housing costs

  • ●       Contact information

  • Bank account info, which may be needed for some secured cards

If you’re applying for a student or secured card, be ready to provide your school information and/or upfront security deposit details.

Applying for a Credit Card

Once you’ve selected the best credit card for your needs, below are the steps you should take to apply:

  1. Go to the credit card issuer’s website or use a trusted comparison tool.
  2. Complete the credit card application, including providing income, housing and personal information.
  3. Double-check your details for accuracy.
  4. Review credit card terms (see next section).
  5. Submit your application – you may receive a quick decision or receive follow-up communication within a few days.

You can also apply by phone, mail or in-person if your credit card issuer offers those options.

Understanding Terms and Conditions

Before you submit your application, carefully read the credit card’s terms and look for the following information:

  • Annual fee: Some starter credit cards don’t charge one, but others do. Make sure you’re in the know about what your card charges.

  • Interest rates: Research both the card’s regular APR and any introductory offers.

  • Balance transfers and cash advance fees

  • Penalty fees for late payments

  • Rewards structure, if applicable

Making sure you fully understand your credit card’s terms helps you avoid surprises and allows you to strategically use your card to build financial health.

Approval and Activation

If your application is approved, you’ll get your physical card and your credit limit details by mail or email. Some cards, like the Juzt Digital Credit Card, also allow you to begin using your virtual card immediately upon approval. Otherwise, once your first credit card arrives, you should do the following:

  1. Activate your card online or by phone.
  2. Set up online access and mobile alerts. Also make sure to download your credit card’s app if available.
  3. Store your card safely and plan your first purchases.
  4. Set payment reminders or autopay to avoid late payments.

Building Responsible Credit Habits

Once you’ve been approved for your first credit card, your focus will shift to responsibly managing it, which will help you build a strong credit history over time. Here are some key habits you should follow, starting the minute you have your new card in hand:

  • Always make on-time payments. Late payments can hurt your score and translate to extra fees.

  • Pay more than the minimum. This habit can help lower interest charges and keep your balance manageable.

  • Keep your credit utilization ratio low. Try to use less than 30% of your credit limit, which can help you look less risky to future lenders.

  • Monitor your credit reports on a regular basis – look for errors or unauthorized credit card purchases and dispute them immediately.

  • Avoid using your credit card for unnecessary expenses. Only charge what you can afford to pay in full each month.

Making on time payments and responsibly managing your credit card shows future lenders that you're a trustworthy borrower.

Common Challenges for First-Time Credit Card Users

Even the most responsible new cardholders can face obstacles. Here are some of the most common pitfalls and how to avoid them:

  • Applying for too many credit cards at one time: Every credit card application you submit triggers a hard inquiry that can lower your credit score, at least temporarily.

  • Overcharging your card: Consistently high balances raise your credit utilization ratio and can cause your credit score to dip.

  • Missing due dates: Even one late payment can dramatically impact your score.

  • ●       Ignoring your statements: Always check for accuracy and immediately report any issues to the credit card issuer and /or the three major credit bureaus.

  • Falling for flashy offers: Not all credit card rewards are worth high interest rates or annual fees. That’s why it’s so important to do your research and make sure you’re applying for the credit card that’s your best option, considering your full financial needs and capacity.

If you’re unsure, start with a secured credit card or student credit card and graduate to more robust options over time.

A card like the Juzt Digital Credit Card can also be a great first option – it’s designed especially for those with no credit or poor credit history. You don’t have to put down a security deposit, and you’ll get a near-instant approval decision. Best of all, once you’re approved, you can start using your digital card immediately. And because Juzt reports to Equifax, your responsible use over time may help boost your credit score and establish a strong credit foundation.

Learning how to get a credit card for the first time doesn’t have to be intimidating. With a little research and preparation, you can choose a card that meets your needs, apply with confidence, and build healthy financial habits. Whether you opt for a secured card, a student credit card or a starter credit card like the Juzt Digital Credit Card, your key to success is wisely using it – plus paying all your credit card bills on time.

If you use it responsibly, your first credit card can help you build credit and financial confidence, and set the foundation for long-term financial success.

Disclaimer: This article is for educational purposes only and doesn’t guarantee approval, specific credit limits, rewards, or credit score outcomes. Card features, reporting practices, and timelines vary by issuer and are subject to change. Always review official disclosures before applying.