Q: I’ve been living in the US five years and am applying for my first unsecured credit card. I have a bank account with a secured credit card and a steady income. Is that enough?
A: If you've been using your secured card and repaying balances promptly, staying within the limit, you're on the right path. Creditors will also look favorably on your steady income. Just know that applying for a card generates a hard inquiry
that might result in a small, temporary dip in your credit score.
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