Please choose the correct ending to complete the given sentence: Food and Entertaining: [header] How to get a credit card [title] Inquire at a bank or credit union. [step] Larger banks and even some credit unions offer their own credit cards to customers. Consider starting at one of these institutions.

Ending1: They usually charge the lowest interest rates and usually receive a greater amount than others. [substeps] Up some of your cut by asking a customer if they know about a card. Ending2: They will be able to give you sound advice and explain important details like fees, credit limits, and interest rates. [substeps] Bank credit cards are usually reserved for established customers. Ending3: The bank or credit union you intend to use may have information for you, but it can be very confusing and might cause a significant delay in getting a credit card. [substeps] The easiest way to ask is via mail, but you can contact credit unions near your bank or credit union if necessary. Ending4: However, if you're new to one, you should not disclose your financial information. This is a sensitive topic and the potential risks are grave.

Answer format: ending1/ending2/ending3/ending4