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 When you first start looking for a credit card, it is important to keep in mind exactly why you are getting one in the first place. The first thing to ask yourself when you are getting a credit card is if you are mature enough to have one in the first place. If you get a credit card without the intentions of being able to pay off the monthly payments, then it is probably a good idea that you didn’t get one in the first place. The most important part about applying for the credit card is having the ability to pay it off in the first place. By paying off the card monthly you will bee able to keep the balance low and not owe any fees or interest payments

Once you are able to pay off the card and determine if you would be able to get one, then looking in your mailbox or directly contacting the companies is the best method to apply for the card. Another great place to look for the applications is online at any companies website. By going on to the site you can easily apply for the card and have it in your hands within a week if you are approved. Once you are approved you will have to go through a couple of security questions in order to officially get the card. Once you have the card you can start using it almost immediately after you get it. Just keep in mind that you will want to use it very reasonably and very responsibly.

This Financial Services article was written by Colby Almond on 4/24/2010