Barely a week goes by without a credit card solicitation arriving in your mailbox. Prior to this day, you have reflexively tossed them into the trash, but lately, you have been reading the pitches contained within out of interest. Whether you are seeking to take advantage of the upsides of having credit for the first time in your life, or you are looking to change your current card for another that fits your needs better, it helps to know which type of card will work best for your life situation.