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If you eventually follow through with a credit card application, that hard inquiry will show up on your credit report and has the potential to lower your credit score.Pre-qualifying for a credit card doesn’t guarantee approval.Keep your balance low and pay off your balance to avoid paying a lot of interest.Secured credit cards are the go-to cards for people who can’t get approved for a traditional credit card.These cards are designed for college students who may not have a large income or a credit history.To qualify, you may have to provide proof that you're enrolled in a qualified college or university. Some student credit cards have high interest rates and lots of fees.Income limits vary depending on the credit card, but you must make at least enough money to repay your credit card balance each month.

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Watch out for any credit card that guarantees approval without first checking your credit score.Some secured credit cards come with lots of fees, but there are a few credit cards that keep fees to a minimum.If you don’t have enough money for a security deposit right away, you can spend a few months saving up for the security deposit.If you’re turned down for a major credit card, even if it’s a student credit card, don’t keep applying.Instead, look for a store credit card or a secured credit card.

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