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If you are not a stay-at-home mom anymore and have your own income, you can apply for a credit card. If you are not employed, however, you won’t be approved. If you have your own income and fair credit as you indicated in your response, you can consider credit cards for fair credit history.  Think of features you want for your credit card. You may choose a card without any rewards programs and concentrate on credit improvement. Or you may apply for a card with rewards program and earn bonus points or cash backs for every dollar you spend.