Credit cards are a great financial tool to have; when used responsibly, they can protect you and your purchases while rewarding your regular spending. But when you’re first starting out and apply for new credit cards, you might find nobody will approve you. Even if you have a good credit score, lenders want to see some credit history before they’ll approve you.
That conundrum can cause beginners to have a tough time. In order to build credit, you need credit. In order to get credit, you need to build credit.