Qualifying For A Card:

If you are 18 years old or older and have a regular source of income, you are well on your way to qualifying for a credit card. However, even though you may receive many invitations and special offers from credit card companies in the mail, you still need to demonstrate that you are responsible and will pay your bills. The proof lies in your credit record. If you've financed a car loan or other purchase, you probably have a record at a credit reporting bureau. This credit history shows how responsible you've been in paying your bills and helps the credit card issuer decide how much credit to extend.

Before you submit a credit application, you can get a copy of your credit report to make sure it's accurate. The three major national credit bureaus are:

• EQUIFAX – (800) 685-1111; www.equifax.com
• EXPERIAN – (888) EXPERIAN (397-3742); www.experian.com
• TRANS UNION – (800) 916-8800; www.transunion.com

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