You need to try these new Apple Watch 7 features

You need to try these new Apple Watch 7 features

After setting up your new Apple Watch Series 7 that you got this holiday season and pairing it with your iPhone, it's time to check out all the new features and tweak a few settings to make the most of your new Watch. The Apple Watch Series 7 comes with a larger screen, faster charging and a more durable design. That might not sound as exciting as the blood oxygen sensor that debuted in last year's Series 6. (Here's how the Apple Watch 7 compares to the Apple Watch 6.) But the Series 7's new features have the potential to add more convenience to a lot of everyday tasks, from checking the time to resp onding to texts and tracking your sleep. 

Apple unveiled the $399 Apple Watch Series 7 during its product launch event on Sept. 14 alongside the iPhone 13 family, a refreshed iPad Mini, and a new entry-level iPad. The new Apple Watch is a light update to the Series 6 that's ideal for people looking to replace a watch that's several years old.

Read more: Apple Watch 7 review: A slight upgrade compared to last year's smartwatch

If you're considering the Apple Watch Series 7 or already bought one, here's a breakdown of what's new and why it matters. You can also check out all the Apple Watch Series 8 rumors we've heard so far.

Apple Watch Series 7 has a QWERTY keyboard

The Apple Watch Series 7 should be easier to type on. 

Apple

The Apple Watch has a new QWERTY keyboard that takes advantage of its larger screen, which is about 20% bigger than the Series 6, allowing you to type similarly to how you would on a phone.

What's new: A full-size keyboard means that you aren't limited to sending a canned response to a text, scribbling a quick note or dictating a message, as is the case with the Apple Watch Series 6.

How you'll use it: The Apple Watch Series 7's QWERTY keyboard lets you tap each key to type, or use Apple's QuickPath feature to swipe between letters without lifting your finger. You'll still want to use your phone for messages longer than a short sentence, but it still generally makes it easier to text using the watch.

The bottom line: The Series 7's QWERTY keyboard makes it easier to send longer and more complex messages that are uncomfortable to scribble or too private to dictate. It's another example of how the Apple Watch has evolved to become better at working independently of your phone in the years since its launch. 

Third-party Apple Watch apps like FlickType already allow you to type on your Apple Watch, but having it as a native option on the watch results in a smoother experience. It also means watch owners won't have to rely on third parties for this potentially vital tool, which is important considering some keyboard apps have been accused of participating in App Store rating scams.

Read more: Apple Watch 7 upgrade: How to trade in your old watch to get the best deals

Larger screen on the Apple Watch Series 7 amps up reading

The Apple Watch Series 7's larger screen can fit more text.

Apple/Screenshot by Sarah Tew/CNET

The Series 7 is Apple's first major redesign since the Series 4 launched in 2018. The new watch comes in 41-millimeter and 45mm sizes for the first time, representing a shift away from the 40mm and 44mm sizes that were available on the Series 4 through Series 6. 

What's new: The Apple Watch Series 7's screen is about 20% larger than the Series 6's and more than 50% bigger than the Series 3's. The borders that frame the screen are also 40% smaller than those of the Series 6, allowing Apple to expand the screen size without making the device much larger. But don't worry, older watch bands are still compatible with the Series 7. 

How you'll use it: The Series 7's larger screen makes it better at its most important job: showing information that's easy to see at a glance so that you don't have to grab your phone. The larger screen means the Series 7 is capable of displaying 50% more text without having to scroll, making reading text messages, emails and notifications more convenient. 

There's more: Apple also updated the user interface in its apps to make better use of that larger screen. Apps like the stopwatch, activity and timer now have larger buttons, meaning it's easier to hit snooze even when you're still half asleep. You also get specific watch faces that are optimized for the Series 7's bigger display, such as a new version of the Modular face that can fit complications with more information. I've been using this new watch face to see my activity progress, the time and weather forecast at a glance.

And don't forget, WatchOS 8 introduces the ability to set Portrait mode photos as your watch face, and the Series 7's larger screen is better able to show them off.

Read more: Apple Watch Series 7 vs. Series 6: The biggest changes coming in Apple's new smartwatch

A brighter screen in always-on mode

Apple/Screenshot by Sarah Tew/CNET

Apple also updated the Apple Watch's display in a different way by making the screen more visible in always-on mode. It's another addition that makes it even faster to get quick bits of information from your watch. 

What's new: The Apple Watch Series 7's screen is up to 70% brighter in always-on mode when your wrist is down, according to Apple. However, Apple specifically says this applies to indoor usage.

How you'll use it: The Series 7's improved brightness means it is even easier to see information like the time, your activity rings and your next meeting without having to wake the watch's screen. It feels like a step toward making the Apple Watch's screen appear the same whether it's asleep or in use, and doing so creates a more seamless look that doesn't feel jarring when switching between awake and idle mode. 

To use this feature, you'll want to make sure the always-on display setting is turned on in the Apple Watch's settings menu. On your Apple Watch's app screen, press the settings icon, scroll down to Display & Brightness and tap Always On. From there, make sure the switch next to Always On is toggled on. 

What about battery life? You could also choose to keep this feature turned off if you want to maximize battery life, and Apple hasn't said whether the brighter always-on screen will affect the watch's power consumption. I've been wearing the Apple Watch Series 7 daily with the always-on display setting turned on, and it typically lasts for about a day and a half. But battery life will always vary depending on your usage, and activities like using GPS connectivity while running will cause it to drain faster. 

Read more: Best Apple Watch accessories

Apple Watch Series 7 charges faster than Series 6 

The Apple Watch Series 7 should charge 33% faster than the Series 6.

Apple/Screenshot by Sarah Tew/CNET

The Apple Watch Series 7's battery lasts as long as the Series 6, but the amount of time it takes to charge your watch has dipped. 

What's new: The Apple Watch Series 7 can charge up to 33% faster than the Apple Watch Series 6, according to Apple. It takes 45 minutes to charge from zero to 80%, and 8 minutes of charging should enable 8 hours of sleep tracking. In CNET's testing of the new Apple Watch, reviewers found this to be true. Charging the Watch for at least 30 minutes made the battery jump from zero to 54%. In comparison, the Series 6 only replenished 37% in the same amount of time. 

How you'll use it: We've been asking for more battery life out of the Apple Watch for years, but that's especially relevant now that Apple has added native sleep tracking to its smartwatches. Rather than extending the watch's battery life, Apple makes it easier to quickly charge the watch during short windows throughout the day, presumably so that you don't have to charge it overnight. The idea is that you'll be able to top off the watch's battery whenever you have a few spare minutes.

The bottom line: The Apple Watch Series 7's faster charging speed is another way in which Apple is trying to make its smartwatch a more capable sleep tracker. In addition to making the Series 7 easier to charge in a pinch, Apple also added the ability to measure respiratory rate during sleep with its WatchOS 8 update. Taken together, these improvements could help Apple catch up to Fitbit, which offers multiday battery life on its watches and more in-depth sleep metrics. 

Read more: Best Apple Watch bands for 2021

The Apple Watch Series 7 has a brawnier build

The Apple Watch Series 7 comes with tougher crystal and is dust resistant. 

Apple/Screenshot by Sarah Tew/CNET

Exercise tracking has become one of Apple's biggest areas of focus for the Apple Watch. The Series 7 is more suitable for outdoor activity since Apple claims it has a more durable build. 

What's new: The Apple Watch Series 7 is rated for IP6X dust resistance (a first) and is coated in a crystal cover that Apple says is 50% thicker than that of the Apple Watch Series 6. That means you'll feel at ease wearing it to the beach or during a hike. 

How you'll use it: The Series 7's increased durability pairs nicely with the new cycling features in WatchOS 8. The new software brings an updated version of fall detection that Apple says can tell the difference between falling off a bicycle and a different type of accident. Apple also says WatchOS 8 can automatically detect outdoor cycling workouts. (See Lexy Savvides' test of the new Apple Watch cycling features here.)

The bottom line: We put Apple Watch Series 7's durability to the test. Those who want a truly rugged watch have military-grade options from Garmin and Casio to choose from, or could opt for a rugged Apple Watch case. But these updates suggest Apple is trying to push the Apple Watch beyond basic workouts and appeal to those who might need a more durable watch for activities like rock climbing. That's the premise behind the rumored Explorer Edition, which Bloomberg reports will come with greater impact resistance and could launch in 2022.

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What States Can and Can't Do When Banning Abortion

What States Can and Can't Do When Banning Abortion

For more information about your reproductive health rights and related federal resources, you can visit the US government's

Reproductive Rights

site.

Whether someone can get an abortion or related medical procedure mostly hinges on which state they live in after the Supreme Court overturned Roe v. Wade last month and ended the constitutional right to abortion. But the switch from federal protection to state law isn't straightforward and has led to confusion and misinformation on what pregnant patients and physicians can do.

In this still developing landscape, how confident can people be that their treatment is still legal?

"The answer to all your questions is 'Who the heck knows,'" said Dr. Louise Perkins King, a surgeon and bioethicist at Harvard Medical School. "And that's the problem."

The US Department of Health and Human Services issued guidance on July 11 reminding physicians of their responsibilities under the existing Emergency Medical Treatment and Labor Act, or EMTLA, which supports the need to treat and stabilize patients in an emergency, including pregnant patients who may require an abortion. Days later, Texas sued the Biden administration over the law, which allows for medical assistance to save the life of the mother, because, Texas Attorney General Ken Paxton said, it "seeks to transform every emergency room in the country into a walk-in abortion clinic." 

On Tuesday, a judge in Texas blocked the EMTLA guidance, so physicians in that state may no longer be protected by federal law if they perform an abortion when they deem it medically necessary but it falls outside of Texas' interpretation of a life-endangering pregnancy. Physicians nationwide who are members of the American Association of Pro-Life Gynecologists and Obstetricians or the Christian Medical and Dental Association are also exempt -- a total of about 18,000 health care providers, according to the court document.

Texas' new trigger law -- which will be in effect on Aug. 25 -- bans all abortions except when the pregnancy puts the mother "at risk of death or poses a serious risk of substantial impairment of a major bodily function." Physicians who perform an illegal abortion will be committing a felony. It doesn't make exceptions for rape, incest or fetal abnormalities, and it also doesn't make an exception for when the pregnant person's risk of death would come from a "claim or diagnosis" that they'll be hurt or might die in the future. (This could be interpreted to mean a doctor can't provide an abortion if a woman threatens to die by suicide because she has depression.) All abortions are currently banned in Texas after the state's Supreme Court ruled that a law from the 1920s could stand.

Legal battles within some states will continue to shape post-Roe America, with the landscape changing by the day. And lawsuits like the one in Texas clarify the country's stance on whether state law preempts federal rule on abortion or reproductive health care. Basically, can federal regulations trump state law? 

"There's going to be cases that are going to have to determine this question," I. Glenn Cohen, a professor and bioethicist at Harvard Law School, said. 

The argument over medication abortion access -- which is banned or restricted in many states but still available to people if they order it (not without risk) online -- will likely also be one of the first big court cases post-Roe, Cohen said. Questions of whether federal regulations on medication abortion conflict directly enough with state restrictions will continue to be center stage.

Medication abortion, for use in early pregnancy, accounts for more than half of abortions in the US. Restricting the pills is the new frontier of abortion bans.

Robyn Beck/Getty Images

Other federal guidance issued by the Biden administration includes a reminder to pharmacists that they are required to fill medication and birth control prescriptions for patients. Failing to do so is discrimination based on pregnancy status. This was in response to the many reports of women having treatment delayed or prescriptions denied while health care workers try to  navigate around new state laws.

Here's what we know today.

Can states ban abortion pills? Not completely, but some are trying. 

Any state with a current total ban on abortion -- including Texas, Oklahoma, South Dakota, Alabama, Arkansas, Mississippi, Missouri and Wisconsin -- also bans medication abortion. Heavy restrictions in other states, including Tennessee and South Carolina, which ban abortion after about six weeks, also extend to medication abortion. This means providers can't prescribe the medication in those states and patients can't fill prescriptions at pharmacies.  

"If a state law bans abortion broadly, that includes medication abortions," Elisabeth Smith, director of state policy and advocacy at the Center for Reproductive Rights, told MedPage Today.

But abortion bans and state laws seek to punish abortion providers or people who assist them, not the person seeking the abortion (there's reason to believe this might change in the future). For now, people living in the most restrictive states can still order pills from an overseas pharmacy, including Aid Access. However, the pills could take awhile to arrive and potentially put the person past the point of pregnancy for which the medication is safe and effective (about 10 weeks).

Peter Dazeley/Getty Images

The fate of medication abortion pills in Republican-leaning states centers on mifepristone, the first pill given in the two-dose regimen of medication abortion. Because the US Food and Drug Administration approved mifepristone as a safe and effective way to end a pregnancy over 20 years ago, states shouldn't be able to restrict it, the US attorney general's office argued the same day Roe was overturned. (Misoprostol, the second pill, is used off-label for abortion and miscarriage treatment. It's also used to treat health conditions such as stomach ulcers.) 

Whether this federal regulation (and the FDA's stamp of approval) supersedes state laws will need to be decided. Cohen said this is likely to be determined by the Supreme Court as "one of the first post-Dobbs cases."

"It's unclear whether that's going to be a winner of an argument, to be perfectly honest," Cohen said.

Last year, the FDA extended a pandemic-era rule that allowed patients to get medication abortion pills through the mail, instead of requiring them to be prescribed in person. This was seen as a victory for the American College of Obstetricians and Gynecologists and other medical groups, which viewed the in-person requirement as unnecessary for a medication that's safe and effective in early pregnancy.   

But states have their own requirements for medication abortion, and providers licensed in Montana can't prescribe pills to patients who travel over from a restrictive state like South Dakota, NPR reported.

Read more: Worries About Post-Roe Data Privacy Put Spotlight on Period Apps  

Ectopic pregnancies can't result in a delivery and require medical treatment. Symptoms can start with typical pregnancy signs, including a missed period, but can progress to abdominal or pelvic pain, vaginal bleeding, weakness and more. 

Svetlana Gustova/Getty Images

Can states ban treatment for high risk pregnancies? The HHS says no, but doctors say state laws are restricting care.  

Even though the most restrictive states banning abortions leave room for some degree of medical emergency, practicing physicians need to decide where the medical emergency line is – and risk prosecution if a state sees it differently. 

This month, the story of a 10-year-old girl who was raped and pregnant and who traveled to Indiana from Ohio, where abortion is banned around six weeks without exception for rape or incest, made headlines. Not only was the physician publicly questioned by Indiana's attorney general on whether she followed state law, but Ohio Attorney General Dave Yost said in the aftermath that the girl should've been able to legally get an abortion under the state law's medical emergency exemption. Ohio's OB-GYNs disagreed. 

"It states specifically 'medically diagnosed condition,' and as far as I can tell, adolescent pregnancy is not a medically diagnosed condition that's listed," Dr. Jason Sayat, a Columbus OB-GYN, told the Ohio Capital Journal. 

The Department of Health and Human Services reminded physicians and hospitals that if they want to keep their Medicare agreement and avoid "civil penalties," they must treat pregnant patients and provide abortions if necessary as required under the 1986 Emergency Medical Treatment and Labor Act. The EMTLA, now blocked in Texas, outlines certain life-endangering pregnancies that doctors must treat regardless of state law, including ectopic pregnancies, preeclampsia and complications of pregnancy loss.

But that narrow line of abortion exceptions for medical emergencies given by states like Wisconsin is what's troubling Dr. Jennifer McIntosh, a maternal-fetal medicine physician practicing in the state. While Wisconsin's attorney general said he wouldn't enforce a ban, physicians there stopped performing abortions because the state has a pre-Roe criminal statute that prohibits most abortions. The "save the life of the mother" abortion exception language in that law can leave out health conditions which may not be an immediate emergency but can become one down the line. 

"Some of what we do is to prevent emergencies from happening," McIntosh said. "To have to wait for an emergency to actually appear puts your patient's life at risk."

The treatment for an ectopic pregnancy is termination, because terminating the pregnancy is the only safe outcome when an embryo grows outside of the uterus, typically in a fallopian tube. Without treatment, the fallopian tube is likely to rupture, which can lead to internal bleeding and death. But some laws, like one in Texas, specifically restrict medications including methotrexate, which has led to access problems for people who are pregnant as well as people who are taking methotrexate for another health reason. 

Complicating confusion and risk over how abortion bans will affect treatments for ectopic pregnancies is the fact that more rare types of ectopic pregnancies exist, including ones where the pregnancy is growing inside a C-section scar or other area outside the safety of the main cavity of the uterus -- but still technically in the uterus. These rarer kinds of ectopic pregnancies are also life-threatening, and may be more difficult to diagnose and treat as such in a state that bans abortions with an emphasis on the pregnancy being in the uterus.

Saul Loeb/AFP/Getty Images

States are not prosecuting people who have abortions (yet)

Current state laws -- both those in effect and those in limbo in court -- prosecute other people involved in an abortion, not the person who's pregnant. 

But the health impact may be already felt when a doctor is hesitant to treat patients, or pharmacists are reluctant to fill a prescription for mifepristone before interviewing a woman to ascertain whether her pregnancy is already ended and her situation is in line with state law.

"Even in these straightforward cases of basic OB/GYN practice, the laws leave providers questioning and afraid," Dr. Carley Zeal, an OB-GYN in Wisconsin, told The New York Times. "These laws are already hurting my patients."

Aside from hesitancy among health care providers, physicians also fear that worries people have about being prosecuted for having an abortion or miscarriage will stop patients experiencing complications from any kind of pregnancy loss from seeking care. 

That's because it was already happening, before Roe was overturned. According to the National Advocates for Pregnant Women, there were over 1,700 arrests or prosecutions of women from 1973 (when Roe became law) to 2020 where their pregnancies were the focus of the case against them. 

So will doctors report you if they suspect you had an abortion? 

"The vast majority of health care professionals will not do that, because that's not caring for their patients," King said. But, she added, "I'm sure there's a very small, but unfortunately detrimental, minority who might." 

Your current access to birth control shouldn't be impacted by the overturn of Roe v. Wade. However, there's reason to believe that could change in the future.

Carol Yepes/Getty Images

Birth control is still protected under the Affordable Care Act

Right now, IUDs, birth control pills and other birth control methods are legal in all 50 states. And they should also be covered at no out-of-pocket cost for those covered under the Affordable Care Act. The right to birth control is protected under two Supreme Court rulings: Griswold v. Connecticut (1965) and Eisenstadt v. Baird. (Another Supreme Court Case, Burwell v. Hobby Lobby Stores, chipped away a little of that protection, however, finding that some corporations are exempt for religious reasons.) 

Plan B or "morning after pill" brands are also not included in abortion bans, because they will not end an existing pregnancy. Most health plans should also cover them. 

Legislators in Missouri last year voted to block taxpayer funding for IUDs and emergency contraception, casting doubt that all birth control devices will be protected indefinitely, at least in some states. The claims of legislators like Paul Wieland, a Republican state senator in Missouri, are that anything that has the potential to disrupt a fertilized egg's implantation into the uterus is an abortifacient. 

The medical community has been clear that IUDs and emergency contraception do not cause abortions and will not end an existing pregnancy. Copper IUDs work mostly by causing a chemical change in the sperm and egg before they meet, according to the World Health Organization. Hormonal IUDs like Mirena work mostly by thickening cervical mucus so sperm can't reach the egg, and can also prevent ovulation. Plan B and similar pills likely won't work if a person has already ovulated, meaning the chances of it stopping implantation are currently understood to be slim.

Nevertheless, unlikely occurrences or instances where a fertilized egg may be prevented from implanting into a uterus could be called into question in future court cases.

Read more: Could a Post Roe v. Wade World Impact Your Access to Birth Control?   

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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Phone Won't Charge? Try This Easy DIY Toothpick Trick First

Phone Won't Charge? Try This Easy DIY Toothpick Trick First

You've plugged your iPhone or Android phone into its charger and... nothing's happened. From broken or rusted charging ports to damaged power cables, there are plenty of reasons your phone might not charge and not all of them can be easily fixed at home. A common reason for faulty charging is simply that your charging port, whether that's Lightning on the iPhone 13 or USB-C on phones like the Google Pixel 6 Pro is clogged with months' worth of pocket fluff and the cable can't quite fit in anymore. 

Thankfully, this is one of the simplest and cheapest solutions to a charging problem. Here's how to fix it. 

Why is my charging port blocked? 

There are no covers on your phone's charging port, meaning they're exposed to every bit of dust, dirt and debris they encounter. Every time you slide your phone into your pocket your phone will be susceptible to pocket fluff and if, like me, you've got pockets filled with detritus from accidentally washing your jeans with old receipts in the pockets then that's asking for trouble. And that's to say nothing of the biscuit crumbs I have in there. Do not ask me why I have biscuit crumbs in my pockets. 

Day by day, this won't be a problem but those tiny bits of dust and fluff will build up over the months or years you have your phone, compacting together each time you plug in your charging cable until it forms a solid barrier that stops your charger from going all the way in and allowing it to connect and charge. 

A wooden cocktail stick is a great tool for the job as the wood won't damage the internal parts. 

Andrew Hoyle/CNET

If you've had your phone for more than six months and you're gradually finding the charger becoming less and less stable (particularly if you have to wiggle it around to get it to begin charging) then it's highly likely that dirt in your port is the culprit. 

How to clean out your phone's charging port 

It's a simple task to unclog your phone's port. You'll need a cocktail stick, toothpick or other thin item that you can poke in to the port to scrape out the grime. Wood or plastic is better as it's less likely to scrape against anything inside and potentially cause harm. I've done this using a metal SIM removal tool and while it worked well, it's not the safest option for your phone. 

Insert your tool of choice into the charging port until it won't go further and gently start scraping away. With an iPhone's Lightning port you can scrape back and forth, but with USB-C you'll need to scrape around the charging connector, which sits in the middle of the port. 

Get it in there.

Andrew Hoyle/CNET

Eventually you'll start to work the compacted debris loose and you'll be able to encourage the dislodged material out of the port. It's a satisfying process and you might be surprised at how much stuff actually comes out. Gently work on the sides of the port too, but be mindful not to scrape hard against any of the metal charging connectors. 

Eventually you'll have pretty much all of it out. It's difficult to check for sure if you've gotten rid of it all as it's tricky to see inside the port, even if you have a good light to hand. But once you've got a good amount of nonsense out, you can try your charging cable again. 

The satisfying removal of nonsense from your phone's charging port.

Andrew Hoyle/CNET

Hopefully it'll plug in more securely now and begin charging. If not, carry on trying to extract more dirt and then test the charger again. If that still doesn't solve the issue it's time to consider other solutions like a new cable or charger. 

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How to Pick Your First Credit Card to Start Building Credit

How to Pick Your First Credit Card to Start Building Credit

Applying for your first credit card can involve a considerable learning curve. With hundreds of card options, lots of jargon and navigating the complexity of the US credit system, there's a lot to learn at once. And once you understand it, it can seem counterintuitive. For example, how are you supposed to build credit to get a credit card if nobody will issue you a card without credit history? It can be dizzying, to say the least.

Still, there are many reasons to want a credit card, chief among them is the ability to build credit history and improve your credit score. Your credit score, a three digit-number that represents your creditworthiness, can affect everything from whether you are approved for an apartment, your interest rates for auto loans and a mortgage and how many financial options you will have in the future.

Below, we review everything you need to know before applying for a credit card: the basics of how credit cards work, how to pick the right card for you, how to apply and how to use your card to build credit.

Read more: Best Debit Cards for College Students

The basics: How credit cards work

First, credit cards are not free money, sadly. What they are is a financial tool that, when used responsibly, lets you space out payments for purchases, build credit history and, in some cases, earn rewards like cash-back or airline miles. But credit cards can be extremely easy to misuse if you accidentally charge more than you can afford to pay back by the end of your billing statement. And if you miss payments, you risk crashing your credit and racking up interest charges.

The best way to avoid these pitfalls is to understand how credit cards work. Credit card issuers, typically a bank or credit union, will lend you a certain amount of money called credit, which you agree to repay. Payment processing networks, like Mastercard or Visa, act as the middleman and help facilitate payments and benefits.

Every card has a credit limit, which is the highest amount of money you can borrow in total. Your credit limit is usually determined by your credit score, income and the credit card issuer. So if you're applying for your first card and don't have a long credit history, you will probably be given a lower credit limit. Once you show responsible card use (paying balances on time and/or in full), you can request a credit limit increase.

At the end of the billing cycle -- which usually lasts about a month -- the credit card company will send you a bill that lists all your purchases made with the card. You can pay either the minimum payment that's due or pay off the bill in full. While paying the minimum payment will keep your account in good standing, the remaining unpaid balance will carry over to the next month, and you'll likely start accruing interest charges on any unpaid balance. Every card has its own annual percentage rate (APR), which is the total amount of interest and fees it charges on unpaid balances.

If you miss the payment due date, you may incur late fees, adding even more dollars to your debt. It's in your best interest to avoid this scenario by only charging what you can afford and paying your bill in full each month. Fees and interest charges can add up quickly and prevent you from paying off your debt as quickly.

How to pick the right credit card

With hundreds of credit cards available, picking the right credit card for you will depend on your current financial status, your future financial goals and your lifestyle. Many credit cards come with rewards like welcome bonuses, cash-back offers, discounts on certain purchases and travel points or airline miles. Cards with rewards typically come along with annual fees -- a yearly expense you pay to own the card -- though some do not.

The right card for you depends on your financial situation and goals. If you're just starting out, building credit with a student or secured credit card -- one that requires a security deposit that acts as your credit limit -- can help you build credit. If you're looking to earn rewards, look for a card with the most relevant perks for your spending habits and an annual fee you can recoup from your rewards. 

Some credit card companies will solicit you directly or allow you to see if you are preapproved for a card. Since card companies run a hard check on your credit when you apply for a card, a move that can temporarily cause your credit score to dip, preapproval lets you see if you're likely to be approved before you apply. Preapproval doesn't guarantee you'll be approved -- it just means the credit card company thinks you're a good applicant for a particular card.

For those currently in school, there are specific credit cards made for students. These cards usually have a smaller credit limit, and may have a scaled-down combination of benefits and fees compared to traditional credit cards. Student cards usually have relaxed credit requirements, since many students don't have a significant credit history, thus making it easier to get approved.

A secured card is another option for those with no or low credit, looking to boost their credit score. Secured credit cards require a security deposit that acts as your credit limit. It is also a form of collateral, ensuring that the card balance will be paid even if you miss payments.

How to apply for your first credit card

Once you determine which card is best for you, you can begin the application process. While every credit card company has its own application, you will probably be asked to provide similar personal and financial information, like your name, age, employer, annual income and housing payment. With this information, the credit card issuer will run a credit check on you to decide if you fit the criteria for card approval.

After you apply, you will either be approved and granted a card or denied. CNET outlines steps to take to figure out why you're denied for a credit card in the worst case scenario.

How to build credit with your card

Your credit score reflects how good or bad you are at managing debt. It shows lenders your creditworthiness, or how much risk is involved when lending you money. Your credit score is determined by a few factors, including your payment history, amount of debt owed, the length of credit history, how much new credit you've taken on, and your credit utilization ratio, which we'll explain below.

Here are some common blunders to avoid to keep your credit score healthy: 

• Not paying your minimum payment on time. In addition to being penalized with late fees and interest charges, late payments reported to credit bureaus indicate to future lenders that you are an unreliable borrower. Over time, consistently paying on time will build a strong credit history that will boost your score, making you eligible for better credit cards and interest rates.
• Using too much of your credit limit. Using more than 30% of your total credit line can affect your credit score negatively. This percentage is called your credit utilization ratio. So if your credit limit is $1,000, you would want to keep all your credit card purchases under $300 as a best practice. Using more of your credit lines indicates to lenders that you are a risky borrower.
• Closing credit card accounts. While it may seem reasonable to close an account for a card you don't use, it can actually lower your total available credit, lowering your credit utilization ratio and shorten your length of credit history. Depending on your situation, it may be better to keep the card open and use it occasionally. But, there are ways to cancel a credit card without destroying your credit.

Best picks for your first credit card

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR14.49% - 23.49% Variable

Intro Purchase APR0% for 6 months

Recommended Credit Fair/New to Credit

Reward Rates

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR14.49% - 23.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases – automatically.

Our Take

The Discover it® Student Cash Back* card offers the best rewards spread of student credit cards. You'll earn the 1% flat rate on all purchases, but you can also earn 5% cash back with the bonus quarterly rotating category, on up to $1,500 in combined spending per quarter (then 1%). From now through September, the bonus category includes restaurants and PayPal purchases. For October through December, it includes Amazon.com purchases and purchases made through digital wallet apps. You do have to manually activate these bonus categories through your account to earn this higher rate, though.

We also like that this card offers an Unlimited Cashback Match welcome bonus -- Discover will match your cash back earned for your whole first year, essentially doubling your cash back at the end of your first year.

For more details, see our full review of the Discover it Student Cash Back.

Intro Offer N/A

APR15.24% - 29.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Annual Fee$0

Foreign Transaction Fees $0

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Our Take

The Petal 2 Visa Credit Card, issued by WebBank, is designed for applicants of various credit types -- whether it's fair, excellent or you're just getting started. It offers a credit line between $300 and $10,000 and 1% back on all eligible purchases. 

To incentivize good credit-building behavior, your cash-back rate can increase to up to 1.5% on eligible purchases after 12 on-time monthly payments. There are no annual fees, security deposits, late fees or foreign transaction fees, making this a flexible option for anyone's first credit card.

Intro Offer N/A

APR26.99% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR26.99% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

Our Take

The Capital One Platinum Credit Card doesn't offer many perks, but it could be a good backup option for your first credit card if you don't want to put down a security deposit and aren't a student. This card is designed for people with fair, average or limited credit -- typically a credit score between 580 and 669. Though you won't earn rewards or a welcome bonus, you can build up your credit score with responsible use and there are no foreign transaction fees -- meaning you can use it abroad without facing additional costs.

For more details, check out our full review of the Capital One Platinum Credit Card.

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR24.49% Variable

Intro Purchase APRN/A

Recommended Credit New/Rebuilding Credit

Reward Rates

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR24.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Our Take

All secured credit cards require a security deposit -- but not all of them enable you to earn rewards on your purchases. With a credit limit range of $200 to $2,500, you can earn 2% cash back at gas stations and restaurants with the Discover it® Secured Credit Card*, on up to a combined $1,000 in spending per calendar quarter (then 1%). You'll earn 1% cash back on other purchases, and you'll still get the Unlimited Cashback Match as with the other Discover credit cards. This card will also let you see if you're preapproved before you apply if you so choose.

For more information, see our full review of the Discover it Secured Credit Card.

Intro Offer Limited Time Offer: Earn $100 when you spend $100 in the first three months

APR16.49% - 26.49% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward Rates

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR16.49% - 26.49% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Our Take

If you eat a lot of takeout or go to restaurants often, the Capital One SavorOne Student Cash Rewards Credit Card can maximize cash back on your meals and entertainment. You may be able to get preapproved for this credit card to test the waters, though as a student credit card, it has more relaxed credit requirements than its traditional counterparts.

You'll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Target and Walmart). Entertainment covers movie theaters, sports promoters (professional and semiprofessional live events), amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Streaming services include Netflix, Hulu and Disney+. For other purchases, you'll earn a standard 1% cash back.

*All information about the Discover it Student Cash Back and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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