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If you're not ready, you can get there: How to Prepare for a Credit Card Getting approved for the first credit card can be tough, especially if you're under age 21 and more so if you don't have a job.First, Federal law requires that young adults under age 21 have verifiable income before they can be approved for a credit card without a cosigner.Even if you're not a world traveler, you might get stuck paying foreign transaction fees on credit card purchases.Matt Schulz from Credit joins Money Girl to explain foreign fees, which types of cards you should carry when traveling, and the best no-foreign fee cards available to save money. S., or even purchase items online from a foreign company, expensive credit card fees can spoil your fun by adding up to 3% to your bill.Tom Merton/Caiaimage/Getty Images A 5-minute phone call to your credit card issuer could save you hundreds of dollars -- or more -- in interest charges.If you've been a good customer, your credit card company will probably reduce your interest rate. A March 2016 survey from Credit found that 78% of cardholders who asked for a rate cut received one. Being old enough to qualify for a credit card doesn't mean you’re actually ready for one. Rather than putting in several credit card applications to see who's going to approve you, target just a few companies that are known for giving credit cards to first-timers.

For strategies to build credit fast download my free Credit Score Survival Kit tutorial.Aucello picked up her credit card habit from her father, who took her along on European vacations using his own accrued points when she was growing up.After attending a seminar on how to live off card rewards led by a prominent credit card blogger, she was inspired to bring her obsession to the next level by starting a blog of her own, Just Another Points Traveler.RATE SEARCH: Let help you find the best low-interest credit card today.Banks have relaxed credit standards in recent years, Sullivan says, which means more people are probably eligible for a rate cut than in the past.

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