How to Apply for a Credit Card for the First Time

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Managing a credit card requires a lot of responsibility and is a major step in adulthood. Many people believe you shouldn't spend money you don't have by purchasing anything on credit, but the issue isn't that simple, as credit cards play a major role in building credit. You need credit to rent an apartment, get a cell phone and handle many other aspects of your life. If you're ready to apply for a credit card and start building credit responsibly, follow these easy steps.