Applying for Your First Credit Card

Learn why credit cards matter and how to apply for your first credit card.

Video breakdown:

  1. Why does credit matter? (9:45-14:45)
  2. What are some common credit concerns? (14:45-18:08)
  3. How is a credit score calculated? (18:08-18:54)
  4. What options do you have for your first credit card? (18:54-25:24)
  5. What should you consider when choosing your first credit card? (25:25-37:14)
  6. What are the steps to applying for a first credit card? (37:25-49:06)

Please note: The document above was created for a specific event which is now completed. Certain details may be outdated and any links may no longer be active. Feel free to email us at if you have questions about any of the content!

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Sequin Rewards Cards are issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.

If the cumulative rewards paid to an individual in one calendar year exceed $599, then Form W-9 may be required to be completed prior to funds disbursement. You are responsible for any applicable federal, state, or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences.

Sequin is not a Bank. Sequin Rewards Cards are issued by Evolve Bank & Trust pursuant to a license from Visa. Rewards are not offered by Evolve Bank & Trust and are instead offered and managed by Sequin.

Stilt Inc. is the lender for all credit products available through Sequin. All lines of credit loans and rate terms are subject to eligibility restrictions including application review, loan amount, loan term, and lender approval. Eligibility for a loan is not guaranteed. NMLS #1641523, list of state licenses

Increase in credit score is dependent on on-time payment behavior and not guaranteed. Credit score is impacted by many factors and a Stilt loan is one of them. Stilt reports credit to Equifax, Transunion and Experian.

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