It will never be easier for you to get an unsecured credit card than while you’re in school. Lenders are much more lenient about extending credit during the college years, because they know your parents are likely to pay your bills if you can’t and that parental support typically ends with graduation.
Responsible credit users don’t apply for credit they don’t need. They also try to pace their credit requests, so that they’re not opening a bunch of accounts in a short period of time.
Although your first few credit accounts serve to build and improve your credit history, there typically comes a point when each subsequent [...]