 TITLE: How to Choose and Use Your First Credit Card CONTENT: Check Your Credit Report and Score\n----------------------------------\nWhen you're ready to apply for your first credit card, a good first step is to check your credit reports and scores. You can get a free copy of your Experian credit report and a free FICO® Score☉ from Experian.\nCredit card issuers will generally check your credit reports and a credit score to help determine if you can qualify for a credit card as well as what your interest rate and credit limit will be. The better your credit, the better the chances of getting approved for a card with a low rate and high limit.\nIf you've never had a loan or credit card before, you might not have a credit report or score. You may still be able to qualify for certain credit cards, but your options will be limited until you build up your credit history. END