Credit cards offer unlimited benefits to its users. If you have no credit history yet, then you must think to apply for your first credit card. You can start by choosing the option of a credit cards for bad credit . To help you pick the right card as a beginner, there are some factors you need to consider. Here they are: Credit Card Type: There are countless credit card options available in the market. You make sure to pick the card that suits both your needs and lifestyle. Joining or Annual Fee: Not all credit cards come with joining fee. If the card you are buying has some fee, then you make sure it is included with some reward options. Credit Limit: The credit limit is the maximum amount set by the bank based on the credit score. If you are a person who always pays back on-time, then you can ask the bank to increase your credit limit. Cash Advance Limit: It is an option that allows cardholders to pay cash during emergencies. You should check for the cash advan