text: If you HAVE to get one it's ALWAYS better to get one from your local bank or credit union.  Why?  Because they are out to win your business thereby building theirs.  Choosing a random credit card company is usually a bad idea.  And if you take only one piece of advice from me let it be this....STAY AWAY from those credit card companies who send representative to your school.  They are predators and you will regret ever dealing with them.  These reps don't care about whether you get a card or not or if the company will treat you fairly.  They get paid a fee for every "complete" application filled out and faxed in.  Good Luck!!!