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Having a good credit standing makes it easier to be approved for credit cards or loans. People with good credit normally get better interest rates, too. A credit history shows the financial company whether or not an individual is likely to pay their debt. Fortunately, it is still possible to get a credit card without a credit history.

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1. You Must Have a Job

The credit card company needs to know if you're capable of paying a credit card debt. Having a job helps alleviate this concern. To qualify, the income must be yours and not from your parents or spouse. So, it is a good idea to get a job before applying for a credit card. The higher the income, the more likely you are to be approved.

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