As a new college graduate, you will most likely be inundated with credit card offers.
Take time to compare interest rates, but do not be fooled by extremely low introductory rates, as many will revert to higher standard interest rates after a short period of time.
Also take into consideration any "perks" the card offers, since many companies offer points that can be earned and then used toward products and/or services at your favorite stores.
Also pay attention to any annual fees the card may charge and how often they report to the credit bureaus.
It is highly recommend getting a Visa or Master Card, since they are accepted at the vast majority of stores.
It'salso recommend avoiding Capital One credit cards, since Capital One does not report your credit limit to credit agencies, which can hurt your credit score If you do not receive any offers that you are interested in, check out Visa's and MasterCard's websites, as well as bank websites.
Many of these sites offer easy questionnaires that gather general information about you to determine what card best fits your needs.
Once you settle on one that meets all your requirements, go ahead and apply for it.
If you have no credit at all, it may be difficult at first, since a major factor in obtaining credit is actually having credit.
Although most college grads have some credit,it may be necessary to go to your bank and speak to a financial advisor.
They may be able to set you up with a special card that is limited in its spending capabilities but can help you build credit.
This may take the form of a secured credit card, which requires you to open a savings account as security for the line of credit.
Just remember, do not rely too heavily on credit cards because too many people become overwhelmed with debt as a result of their credit cards.