 TITLE: 4 Types of Cards Everyone Should Have in Their Wallet CONTENT: Check Your Credit Before You Apply\n----------------------------------\nMost of the best credit cards on the market require good or excellent credit, which starts at a credit score of 670, according to FICO®. Check your credit score before you apply for a card to make sure you know where you stand.\nIf your score doesn't measure up, take some time to improve it before you apply. Also, if you plan on getting more than one credit card, space out your applications by six months or more. Each new credit inquiry can knock a few points off your credit score, but multiple credit card applications in a short period of time can have a negative compounding effect.\nOnce your credit is where you want it, take time to research your options and pick the cards that best fit your spending habits, lifestyle and credit score. There's no maximum number of credit cards you can hold, so rounding out the types of cards in your wallet can help provide you more options and perks—and could even help your credit score. Experian CreditMatch™ can help you sift through card offers and find out which ones you may be more likely to qualify for. END