How do you qualify for a credit card?

Ugh, credit cards. Just the thought of applying makes my stomach clench! It’s like this huge, intimidating obstacle course. Right? It all comes down to that magic number – your credit score. That single number can feel like it has SO much power over your life, you know? Basically, if you’ve got a good score, a steady income (which, let’s be real, is hard enough to come by these days!), and a pristine credit history – like you’ve never even looked at a late payment – then you’re golden. You get access to all the shiny, premium cards with their amazing perks. But if you don’t… well, good luck. You’re stuck with the scraps. I remember when I was just starting out… I had literally NO credit history. It was impossible to get anything decent. I felt like I was being punished for never having had credit in the first place! Isn’t that crazy? It’s this vicious cycle. You need credit to build credit, but you can’t get credit without… you get it. It’s so frustrating! Like, one late payment from years ago can haunt you forever. Seriously, how is that fair? It feels like your past mistakes just keep holding you back. It’s almost like they don’t want you to succeed! Anyone else feel that way?