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Just check your credit score and visit teh bank you have account with.Apply only if you have credit score of 650 or above or wait for some time to get there
If you have checking account at BOA ,visit them and tell them that you interested for a credit card.They will approve you with a min limit.If you pay the bills regularly for 6 months and request for credit line increase they will do it
Don't apply for subprime cards or even capital one card.They charge annual fee and high intereste and never raise your credit line.They are junk
If you want to build your credit score ,try store cards like kohls,jcpennery etc.They approve you 100% on spot .But teh credit line is very low like $500.But good for building your credit

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