1. Are over 18
   Most credit cards are only issued to those who have reached the age of majority.

2. Have an income
   You need to have an income that can repay your credit card balance each month.

3. Have a good credit history
   You can call the credit bureaus listed in your phone book to find out what your credit history is. High credit scores will allow you to enjoy the best interest rates and credit limits. Scores that are too low may not make you eligible for credit.

4. Have had a bank account, job, or bills in your name for more than six months
   This is important because it helps to establish a credit history. If your credit history is too short, you may not qualify for unsecured credit.

5. Need shopping convenience
   Many retailers and locations have arranged for unsecured credit cards processing, meaning that you can use your card in many places. Even when you travel overseas, you can use your card. If this is important for you, you may wish to consider credit cards.

6. Have no gambling or spending problems
   Credit cards are very tempting to use when you see something you really want but cannot afford. If you are the type of person who has problems with denying yourself something you cannot afford, credit cards can push you deep into debt.

Using Unsecured Credit Cards

1. Pay your bills fully and on time
   This will prevent late charges and interest rates and will ensure that your credit score remains good.

2. Maintain a minimum number of credit accounts
   The more credit cards you have, the easier it will be for you to get into debt. Also, your credit score will suffer if you overextend your credit.

3. Keep receipts
   They are your proof of purchases made. If you need to return or dispute an item, you need these papers to prove your case.

4. Compare receipts to your bills once a month
   Errors and inconsistencies do sometimes show up on credit cards, and you will want to report them so that you do not end paying more on your bills than you need to.

5. Report stolen cards right away
   Otherwise, someone may use your card to make charges.

6. Keep your credit card information secure
   Always keep your credit card tucked away securely, away from your wallet. Do not give your credit card information out to anyone unless you need to make a purchase and do not leave your card lying around where others may see it. For many credit card users, credit cards that are unsecured are a good match.

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