I want to know if my credit is good for a credit card

Using credit responsibly improves your credit score. Repaying credit cards and car loans looks good on your report. At one point when I had been paying off my credit cards in full every month I learned that my credit score was lower because I had never had a long term loan. The next car I bought I got a loan even though I could have paid cash. I paid if off in 18 months because any shorter than that it wouldn’t be considered a long term loan.

My parents cosigned my first credit card, after I made all my payments for a year they took my parents off as guarantors so it was entirely in my name.

Keep in mind that even one late payment lowers your credit score. If you get a credit card then miss payments than it will hurt your score instead of help it.

You can surely apply. Credit card companies love to give out their cards. You have to be careful though- when I started out, I used it for gas, paid it off instantly, and now my credit is fantastic. So you’ve got to not jump in like crazy right away. Your rates will probably be sky high at first if this is your first card, so don’t be late. The longer you are with a company, the better benefits from the card you’ll get.

Get a pre-paid card at first. That will get you credit and keep you out of trouble all at the same time.

^ backbyter also has a good idea! Can’t spend what you don’t have… ;)