Hey everyone! 
I just applied for my first credit card, super excited but also nervous. I’ve been hearing mixed things about approval rates. I have a decent income and I’ve been saving for a while, but I’m not sure if my limited credit history will affect my chances. My friend said credit card companies look at things like credit score and debt-to-income ratio, but I wish I knew more! Has anyone been in a similar situation? What factors do credit card companies really consider when approving an application? Any insights would be so helpful! Thanks! 
Congrats on taking this step! 
I was in the same boat when I applied for my first credit card. Having a decent income is a great start. Just remember, each company has different criteria, so don’t get discouraged if it doesn’t work out right away.
I totally get how you feel. It’s normal to be a bit nervous about approval. Your credit score and income are important, but also remember that many companies offer secured cards as a great way to build credit.
Exciting news! 
Your savings and income will definitely help, even with limited credit history. Just focus on managing your credit responsibly once you get approved — that’s key for building your score.
I was also worried about my limited credit history, but I got approved! Credit card companies do look at your payment history, income, and even your ability to manage debt. Good luck, you got this! 
Congrats! 
Yes, credit score and debt-to-income ratio are big factors, but don’t forget that a lot of companies also consider your employment stability. Just keep your fingers crossed.
Don’t worry too much! Companies often look at your capacity to pay and not just past credit history. If you’ve got a steady income, that’s a big plus! Just ensure you only apply for one card at a time.