Credit card companies screen all customers before giving a decision of whether you pass or fail their credit assessment. The test can be online and completed in minutes. If your credit score is very low you may be rejected but if you're young and have never had anything bad posted to your credit history or you're responsible with making payments on time and paying your bills then you will likely be approved. Once you have a credit card, you will be able to make purchases regardless of a lack of cash on hand. Credit card companies allot a fixed amount of money that they will let you spend - your credit limit - before they stop transactions on the card. You always have to pay for the purchases you make with your card, it's just a matter of when. Credit cards offer the convinience of paying later - months after you make your purchase. To get a credit card you first must apply. You can apply for a credit card online.
Making purchases online
Many consumers have worried about the safety of online commerce. If you are ever charged for transactions that you did not make, credit card companies will let you dispute the transaction, and if your card or your credit card information is stolen you are not liable for a penny spent by the thief, and normal credit card companies will refund your money. Online commerce is very safe but only if you take some basic precautions. First, never use a public computer when making an online purchase. Second, always use a secured internet connection. If your wifi is not secure, you probably shouldn't use it for online banking and credit card purchases. Third, use modern and up to date anti-virus scanners and anti-malware software. Fourth, enable your firewall.