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1). Choosing a Credit Card for the Inexperienced Before applying for a specific credit card there are several things you should take into consideration before making your final decision. Credit History - Before you apply for a card you should get a free credit report so you will know what types of cards you are eligible for. (By law you can can get a free credit report once annually... 2). Establishing Credit - Strategies for Young People Establishing Credit may seem like a daunting task to a young person, but a good strategy can help take some of the sting out of the process. Start by opening a checking and savings account in your name. This alone will not establish credit, but it will get you on the map and provide much needed credibility with financial and lending in...