 TITLE: How to Choose a Credit Card CONTENT: Know Where Your Credit Stands\n-----------------------------\nBefore you start to apply for credit cards, you may want to review your credit report and know your credit scores. Many credit card issuers will check your credit during the application process, and base an approval or denial on the results. If you're approved, your credit can also impact your card's interest rate and credit limit.\nIf you have excellent credit and a good income, you may have your pick of the litter. But if you need to work on your credit and have a high debt-to-income ratio, you'll have fewer options.\nYou can check your Experian credit report and review your FICO® Score☉ with a free Experian CreditWorksSM account. You'll also get a personalized breakdown of which factors are impacting your credit score, and a tracker you can use to see how your score has changed over time.\nWhile credit card issuers don't necessarily have a specific credit score requirement, many cards are designed for people in specific credit tiers. For example, luxury credit cards generally offer lots of rewards and benefits, but also require good credit or better. Starter credit cards may have fewer perks, but it's easier to qualify for one with bad credit.\nIf you're looking for personalized credit card offers, Experian CreditMatchTM takes your credit into account and matches you with credit cards that you'll likely be able to get. END