You are currently viewing Steps to Get a Credit Card

Steps to Get a Credit Card

Now that you know the basics of credit cards, differences between credit cards and debit cards, types of credit cards and the pros and cons to having them, let’s take a look at the steps you can take to get a credit card.

Step 1: Research the type of credit card you want.

Naturally, you may gravitate toward a credit card that has all the perks. However, you may have no credit history at all or might not have qualified for an unsecured credit card in the past.

You may want to try for a secured card or retail credit card. You may find that these offer you opportunities to practice using a credit card. However, you must use them responsibly in order to graduate to an unsecured credit card later on.

Step 2: Find out whether you prequalify.

Some credit card issuers will preapprove or prequalify you for a credit card. You may need to fill out a short form and submit some of your personal information before they do that. Then, once you’re preapproved or prequalified, you may have a better chance of qualifying. However, you still need to fill out the full application in order to become approved.

Step 3: Fill out the application.

When you apply, you’ll need to supply more information to your credit card issuer, such as the following information:

  • Basic details, such as your name and address
  • Date of birth
  • Social Security number
  • Employment status
  • Gross annual income
  • Financial assets and accounts
  • Financial liabilities

Step 4: Take the next step.

Next, you’ll either get approved or denied. If you get denied, you may want to apply for a different credit card with another issuer. You might consider applying for a secured credit card.

However, wait for a while to apply again because each credit card application triggers its own hard inquiry, which may cause your credit to dip.

Is a Credit Card Right for You?

Only you can determine whether you’re ready for a credit card. However, when you use credit cards responsibly, they can help you earn rewards, allow for unplanned expenses and help you build your credit.

Don’t get discouraged if you don’t get approved for a credit card right away. You can always look into other alternatives! Finally, don’t forget about using UNest Rewards to earn cash for your child’s UNest Investment Account for Kids. You can purchase products and services with our partners via the UNest app.

Also, check out the USALLIANCE Signature Visa Card and earn 3% cash back on ALL purchases. Groceries, Gas, Getaways, and more-no category restrictions. Invest your earnings directly into your UNest account or right back into your pocket!

Follow this link to view the full terms, conditions, and disclosures for the USALLIANCE Visa Signature Card and apply today!


This material is for informational purposes only and should not be construed as financial, legal, or tax advice. You should consult your own financial, legal, and tax advisors before engaging in any transaction. Information, including hypothetical projections of finances, may not take into account taxes, commissions, or other factors which may significantly affect potential outcomes. This material should not be considered an offer or recommendation to buy or sell a security. While information and sources are believed to be accurate, UNest does not guarantee the accuracy or completeness of any information or source provided herein and is under no obligation to update this information.