If you are considering getting a credit card for the very first time, there are some things you should know that will help you speed up the process and help insure that you get the best credit card with the lowest interest rate. After all, you don't want a credit card that is going to charge you high interest rates or that is going to give you a very low line of credit. Here are 5 tips that will help you get the best deal in the shortest amount of time possible.

Proof of good credit history. Most people associate credit history with credit cards but that's not the only way to establish good credit. If you have been living on your own for any period of time, you've had to have utilities. If you've been responsible and have paid your utility bill on time, then you've already established a form of good history Best place to buy full. Print off copies of your utility bill payment history and submit it with your application when you apply for your first time credit card. This is tangible proof that you are a good risk.

Know your credit rating. You should check you report once per year. This way, you keep tabs on your credit rating, keep a check on identity theft, and make sure no one is trashing your credit. A free report can easily be gotten online once every year. When you apply for your credit card, you will have your current credit report ready to submit. This will speed up the approval process.

Don't apply to too many companies. Apply to one and see if you're accepted. Don't sit down and apply to as many as possible in one sitting. Multiple credit card applications can lower your credit rating.

Apply as a student. Companies absolutely love to issue credit cards to students and will often give you immediate approval. This is good from the point of view that you can get a card fast, but remember, they will want to issue you a card with a high interest rate and low line of credit. By following the above mentioned tips, you can get the best card possible.
Get a secured card. If you don't have a good credit rating or good utility bill payment record, apply for a secured card. For a secured credit card, you will need to make a deposit and your credit limit can't exceed that amount. This of course, has its drawbacks, but with a secured credit card, you can rebuild any bad credit that you might have already gotten.

For your first time credit card, don't settle for a high interest, low credit limit card. Just because you're a student doesn't mean that it should cost you more money. Follow the tips in this article for a great credit card that you can keep for years to come and will benefit you.