How to Get Any Credit Card You Want (No Matter Your Credit History!)

If you're looking to snag any credit card you desire, the key is understanding how to build and manage your credit wisely. Follow these simple yet powerful steps, and you’ll be on your way to unlocking the full potential of your credit. Let’s dive in!

1. Start with Department Store Cards

Many people overlook department store credit cards, but they’re a great way to begin your credit journey. These cards are often easier to get approved for and give you the chance to build a solid payment history. Here’s the trick: Apply for one, make a small purchase, and then pay it off on time. This sets the foundation for a positive credit record.

2. Move on to Gasoline Cards

Once you’ve established a history with a department store card, the next step is applying for a gasoline credit card. Gas cards are another relatively easy-to-get option, and they’re perfect for building your credit profile. When applying, list your department store cards as references—it shows you have some experience managing credit.

3. Apply for Bank Cards

Now that you’ve got some experience under your belt, it’s time to apply for traditional bank credit cards like Visa, MasterCard, or any of the rewards cards your local bank offers. These cards tend to come with higher limits and more flexibility, but your application will be looked at more closely. Keep up the good work by paying off your balances on time, and your credit score will rise, making it easier to be approved for even bigger cards down the road.

4. Go for Premium Travel & Entertainment Cards

The ultimate goal? Applying for premium cards like American Express or other exclusive travel and entertainment cards. These cards often come with amazing perks—like travel points, concierge services, and more—but they also require a strong credit history. With the earlier steps, you’ll be in a prime position to apply and get approved.

Pro Tip: Pay Early, Pay Often

The most important thing to remember is payment history. Credit card companies love early payments, and building this habit will serve you well in the future. Being consistent with early payments boosts your credit score and ensures that you have great references for any future credit applications.

By following these steps and staying disciplined with your payments, you’ll be able to get your hands on just about any credit card you want—whether it’s a store card, a bank card, or a luxury rewards card. Ready to get started? The world of credit is yours for the taking!

~Written By: @AskForCorey