When one turns 18 they all want to have a credit card. It is of no use to apply for credit cards as soon as one turns 18 as there are all possibilities of the request being denied. This is because the credit rating at this point is low and one needs to build up the credit rating. One should ensure that the bank reports the credit worthiness and ratings to a bureau as this is of great help. One should apply for secured credit card through the bank in which you hold an account. One can also get fuel cards and retail store cards as they are easier to get.