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After you have kept up payments on your new credit card account for about two years, the issuing bank will often offer you an unsecured credit card account. The above rules do not apply in so-called community property states. These are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas and Washington . Store Cards These are credit cards offered by shops, such as Marks and Spenser. These are usually not as competative as other cards available and so are not generally recommended. Shopping Tips Keep these tips in mind when looking for a credit or charge card. Shop around for the plan that best fits your needs. Make sure you understand a plan’s terms before you accept the card. Pay bills promptly to keep finance and other charges to a minimum. Hold on to receipts to reconcile charges when your bill arrives. Protect your cards and account numbers to prevent unauthorized use. Draw a line through blank spaces on charge slips so the amount can’t be changed. Tear up carbons. 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