For A Creditcard: Apply

If you are currently enrolled in college, these often have lower barriers to entry.

Many issuers, such as NerdWallet , offer pre-qualification tools that let you see your chances of approval without affecting your credit score. 2. Choose the Right Type of Card

If your score is low or you have zero credit history, you may want to look at "beginner" cards specifically designed for building credit.

These require a refundable security deposit that serves as your credit limit. They are excellent for those with no credit history.