Club Carlson cards are co-branded credit cards and such cards are usually offered to people with an established credit. It is easier, and better for your credit and score, to apply for the card that is good for your current credit history. For example, secured credit cards are designed for those who want to build or rebuild their credit. These cards are reported to all three major credit bureaus, which is important when you improve your credit. Note that secured cards require a security deposit that should be paid before the card is issued.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.