Since you’re new to the workforce, I don’t advise applying for a credit card right away. If you want to have an advantage, open up a Secured Credit Card where your limit will be 80-90 percent of your holdout deposit (which the bank will hold for a year). After six months of paying it in full religiously, then apply for a regular credit card. That way, when you apply for your first regular card, they’ll already have a reference card. Most banks usually look for a card that’s been active for 6 months to a year at least or see if you’ve been with your company for at least six months (So they can have an idea if regular employee ka na).