You must meet a few basic eligibility requirements to open your first credit card account. First, you must be at least 18 to open a credit card account in your name. If you’re under 18, a parent, family member, or trusted friend may be able to add you as an authorized user on one of their credit accounts. According to the Credit CARD Act of 2009, cardmembers under 21 must earn enough money independently from a job or regular allowance to cover credit card payments. Otherwise, they need a cosigner, such as a parent or guardian. Credit card issuers generally want to make sure you’re financially

How much you should put on your first credit card depends on your credit limit, but it can be suggested that you keep your credit utilization ratio below 30%, or ideally in the single digits.

When you apply for a new credit card, avoid applying for multiple credit cards back-to-back. Too many applications may cause multiple hard inquiries on your credit report, potentially negatively impacting your credit score. Note that this doesn't apply if the card issuer offers an initial soft check to help you gauge eligibility.