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Europe's last dictator has a YouTube problem


Europe's last dictator has a YouTube problem

If you're a dictator, what you don't want is the world watching your every move -- but that's the attention Belarusian President Alexander Lukashenko cast on himself Sunday.

Dubbed Europe's last dictator, Lukashenko earned Belarus a fresh round of local protests and international sanctions when he used military force to ground a RyanAir plane flying between Greece and Lithuania on Sunday. As the plane flew over Belarus' airspace, Lukashenko's government sent a MiG fighter jet to ground the flight full of civilian passengers. 

And what for? To take down a journalist and his Telegram group.

Police boarded the plane and arrested Roman Protasevich, a 26-year-old journalist who runs Nexta, an anti-establishment news channel that operates mostly on the encrypted messaging app Telegram, where it has over 1.2 million subscribers in a country of about 9 million. 

Online platforms are rattling restrictive regimes in Europe's east: In the aligned nations of Belarus and Russia, heroic activists like Protasevich and imprisoned Russian dissident Alexei Navalny use the twin powers of Telegram and YouTube to expose corruption and governmental malignancy. 

That these dissidents are being targeted for elimination and imprisonment now, after years in the public eye, is a sign of how threatening their online presence has become to Lukashenko and Russia's president, Vladimir Putin.

"These guys have really figured out how to use the internet to counter these regimes in the last few years," William Partlett, a professor at Melbourne Law School who researches post-Soviet societies, told me on a recent phone call. Because state TV is so controlled, creative and defiant young people flocked to YouTube and Telegram, where they can create their own news channels. 

While the Russian and especially Belarusian governments often target specific journalists or publications, Partlett says internet freedom has been strong in Belarus and Russia compared to a country like China. 

But now that resistance movements are being so effectively built using internet platforms, that freedom might soon become more compromised.

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A RyanAir flight headed for Lithuania was diverted to Belarus. Belarus claimed there was a bomb threat on board, and had a MiG jet escort the flight to Minsk airport.

NurPhoto/Getty

Hanging by a thread

Anyone living in Belarus under the age of 27 has only ever known one president. The country, also known as "White Russia," held its first free elections in 1994. They were won by Lukashenko, and he's been in power ever since. 

For this reason, and for his autocratic ways, Lukashenko is known as Europe's last dictator. 

Lukashenko "won" the last election held in the country, officially scoring 80% of the polls. The European Union rejects this result, and observers believe the election was actually won by Svetlana Tikhanovskaya, a school teacher and wife of a jailed opposition leader. 

What followed were the biggest and most sustained protests the country has seen since independence, involving hundreds of thousands of people. Lukashenko met these democratic spasms with autocratic force: Over 30,000 protesters have been detained, reports The Economist, and over 4,000 say they've been tortured. Some have died.

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Protests over last year's election were the biggest Belarus has seen since independence. 

Getty

In this environment, Nexta, created by Protasevich six years go, flourished. Its YouTube channel, with over 600,000 subscribers, circulates news. Its Telegram group spreads videos of police brutality against demonstrators and serves as an organizing ground for future protests.

Several Belarusian journalists and internet channels have been targeted by the regime ever since, often with trumped-up charges of tax evasion or similar crimes. The case of Protasevich, who fled Belarus in 2019 and has since been branded a terrorist, shows that leaving the country isn't enough to keep dissidents safe. 

Similar channels have frustrated Russia's government. Alexei Navalny, Russia's most prominent opposition leader, first gained traction a decade ago by blogging about Kremlin corruption. In recent years, his team set up a network of YouTube channels, spread across each region of the massive country, that countered state TV. His goal has been to unseat the Kremlin candidates in regional elections, encouraging liberal Russians to vote for whoever has the best chance to displace elected officials from Putin's United Russia party. Telegram groups are used to help organize rallies and demonstrations. 

The strategy proved successful in 2018, when the United Russia party lost three gubernatorial seats.

Those in power have taken notice.

After years of suppressing Navalny -- barring him from elections, having him arrested and charging him as a foreign agent -- Putin in 2020 apparently decided to eliminate him. Navalny's underpants were reportedly smeared with a toxic agent as he traveled from Siberia to Moscow. It's indicative of a broader clampdown on freedoms, both on and offline, that's happening in the two nations. (Putin denies being behind the poisoning.)

"Navalny existed and made all these videos for years and years, but something is happening now. Now they have him in prison. They've forced down a jet to get Protasevich," Partlett explained. "They're starting to lose the internet narrative." 

Despite his subsequent imprisonment, Navalny has shown that it's possible to rile regimes even from a jail cell. He regularly posts to Instagram through his lawyer, and shortly after his imprisonment his team posted a two-hour documentary on YouTube documenting a $1.5 billion mansion owned by Putin, intending to highlight the endemic graft of Russian politics. It's been viewed 116 million times.

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Recent protests against Lukashenko in neighboring Poland. NEXTA's headquarters are in Warsaw. 

Nur Photo/Getty

No firewall 

What happens next? 

Lukashenko has been met with almost universal admonishment from world leaders. The EU will ramp up sanctions, initially put in place after last year's fraudulent election, and Ukraine has banned energy imports. 

"The outrageous and illegal behavior of the regime in Belarus will have consequences," warned EU President Ursula von der Leyen. "Those responsible for the RyanAir hijacking must be sanctioned." 

The key outlier is Russia. "It's an independent state," said Leonid Kalashnikov, a senior member of Russia's State Duma parliament, according to state media. "If they see a threat to their security, then they must fight this threat."

As is so often the case, experts worry that the sanctions are likely to hurt Belarus' citizens more than its leader. A new rule, for instance, bars Belarus' state airliner from flying to any European airport, making it harder for citizens to escape the regime.

Just as worrying is what this means for the limited internet freedoms enjoyed in Belarus and Russia. 

Russia has flirted with creating its own internet, separating itself from the world in the same vein as China, but little has come of that idea. It banned Telegram in 2018, but inadvertently blocked thousands of other websites before deciding to lift the ban, indicating that the gargantuan task of creating its own internet is out of reach.

So without the ability for widespread new-era censorship, Belarus' leader is resorting to age-old suppression tactics. The power of tools like YouTube and Telegram is evident in the desperation move of hijacking an international flight. In trying to block news on the internet, Lukashenko got attention from the world. 


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'Halloween Ends' Trailer is Meant to Get Us Excited, Apparently


'Halloween Ends' Trailer is Meant to Get Us Excited, Apparently

Masked murderer Michael Myers takes another stab at Jamie Lee Curtis in the trailer for Halloween Ends. More than 40 years after first facing each other in John Carpenter's classic slasher flick, the pair get to grips with each other in a teaser that suggests their next fight will be up close and personal -- although it doesn't tell us much about whether the film will actually offer anything new over the countless previous Halloween movies.

The new film jumps ahead four years after the events of 2021's Halloween Kills. Curtis once again plays slasher survivor Laurie Strode, who's writing her memoir to put the fear and trauma of the past behind her. Then a young man is accused of killing a boy he was babysitting, and all hell breaks loose yet again. None of this is in the lackluster trailer, however, which relies on the familiar.

Halloween Ends is the third and apparently final film in the current iteration of the long-running Halloween franchise. It's in theaters Oct. 14.

Will Patton, Andi Matichak, Rohan Campbell and Kyle Richards also star, with James Jude Courtney as The Shape (also known as Michael Myers). David Gordon Green once again directs and co-writes with Paul Brad Logan, Chris Bernier and Danny McBride.


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Twitter Earnings Mark User Growth as Musk Takeover Looms


Twitter Earnings Mark User Growth as Musk Takeover Looms

Twitter continued to work toward an ambitious goal by adding users in the first quarter, an improvement overshadowed by the $44 billion deal Elon Musk struck earlier this week to buy the influential social media company. 

The social media site said Thursday that 229 million users, a 15.9% year-over-year increase, logged onto the site daily in the quarter that ended March 31. 

The growth, noted in Twitter's earnings report, is eclipsed by Musk's plans to acquire the social network. The mercurial CEO of Tesla and SpaceX has said he wants to loosen content moderation at Twitter and has indicated that he isn't concerned with its business performance. 

Twitter, which canceled the analyst call that customarily follows earnings releases, said little in its press release about the pending acquisition, except that it won't provide forward-looking guidance and that it has withdrawn its previous goals and outlook.  

Earlier, Twitter had set goals of reaching 315 million daily users and increasing annual revenue to $7.5 billion by 2023.

In its earnings report Thursday, Twitter also said that for the past three years, it had been slightly overreporting its user numbers because of how it had counted multiple accounts tied to a single user as multiple users. In a chart comparing the older numbers with the corrected numbers, the biggest numerical discrepancy was 1.9 million users, or just under 1%, in the fourth quarter of 2021.

Musk, the world's richest person, has said he wants to acquire Twitter because he doesn't believe the company adheres to the principles of free speech, a term he has used often and loosely. On Tuesday, he tweeted, "By 'free speech', I simply mean that which matches the law." 

Under the US Constitution's First Amendment, free speech refers to protection from government interference. It doesn't apply to companies such as Twitter. 

At a public engagement earlier this month, Musk said he doesn't care about Twitter's economics, which could deteriorate if looser moderation standards attract hate speech and harassment that drive away advertisers.

In the first quarter, Twitter generated revenue of $1.2 billion, up 16% year over year. CNBC, citing data from market data provider Refinitiv, reported that quarterly revenue was below estimates of $1.23 billion. Twitter reported 61 cents earnings per share though that included its sale of mobile app platform MoPub.

Twitter's stock is down 1% at $48.10 per share.


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Move Aside, Way Day: Amazon Offers Better Deals on These 5 Products Today


Move Aside, Way Day: Amazon Offers Better Deals on These 5 Products Today

As Wayfair's biggest sale of the year, Way Day, comes to a close, you're probably scouring the site to save the most money possible on discounted products. But what if we told you that not all of the discounts offered during Way Day are the best deals you can get online? While it may seem as if you can find the best prices on Wayfair for just about everything on its site, you can actually find certain products on sale at Amazon, for less. 

We've sifted through several deals on Wayfair and compared them directly with Amazon's prices on the same items, looking for maximum savings. Even though prices will change, what we know right now is that the deals we found on these items discounted by Wayfair are even better on Amazon today. 

And while you're here, if you're interested in the best deals we've found thus far on Way Day, check out our articles on the best Way Day deals and shop for five deals under $20.

Amazon

Cuisinart's 12-speed stand mixer includes a mixing bowl, whisk, mixing paddle and more to get ingredients mixed perfectly before you bake. Cuisinart is a brand we've reviewed many times before with a long-standing reputation, so this offer is appealing not only because of the $190 price (get this price by clipping the 5% Amazon coupon code) compared with Wayfair's $250 price, but because this mixer is well-made.

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This Cuisinart compact air fryer is small enough to fit on any counter and holds 2.5 pounds of food. For $100, or $15 less than Wayfair's price, you can air-fry your meals using adjustable time and temperature knobs, letting you whip up your favorite foods with less grease.

Amazon

There is no reason to vacuum the old-fashioned way if you can do it hands-free. This iRobot Roomba 694 vacuum cleaner from Amazon costs just $180, a savings of $60 compared with the same vacuum from Wayfair. If you pair this robot vacuum with an Amazon Echo Dot you can operate it with voice commands, or you can use the app instead. For up to 90 minutes, it can collect dirt and grime from carpet and hardwood floors.

Amazon

This is another deal that's only better than Wayfair by a few dollars, but for $5 cheaper, you can program this machine to brew your favorite coffee, with regular or bold strength. The GE coffee maker holds 1.5 liters (50 ounces) and even keeps your drink fresh for up to two hours.


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20 spooky games for Halloween on Apple Arcade


20 spooky games for Halloween on Apple Arcade

Halloween is almost here, and spooky mysteries with a dash of suspense are a satisfying October staple. Apple Arcade -- Apple's $5 per month mobile gaming subscription -- has almost 220 games in its catalog, including plenty of spooky titles. 

We picked out 20 games that are perfect for getting into the spooky season spirit. Here's what to play: 

Bleak Sword

Developer: Devolver Digital

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Bleak Sword on Apple Arcade. 

Screenshot/Devolver

Bleak Sword is a dark retro fantasy action game full of evil creatures you must slay in order to break a legendary curse. Dodge, roll and parry against randomly generated enemies across nine chapters of swaps, forests and castles.

The Bradwell Conspiracy

Developer: Bossa Studios and A Brave Plan

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Bossa Studios

The Bradwell Conspiracy is a narrative-driven first-person game where you have to uncover the truth behind the explosion that destroyed the Bradwell Electronics facility. At the start of the game, you wake up in the rubble with only a computerized voice in your "smart glasses" to guide you. The glasses guide eventually connects you to another person trapped inside the facility, and you must try to escape together. 

Castlevania: Grimoire of Souls

Developer: Konami Digital Entertainment 

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Castlevania: Grimoire of Souls on Apple Arcade

Apple

Dracula is quintessentially Halloween. Castlevania: Grimoire of Souls is a side-scroller action game that features a number of characters from the original gothic fantasy series and its creators, Ayami Kojima and Michiru Yamane. The game is set after Dracula has been sealed away, and you can play as Alucard, Charlotte, Maria, Simon Belmont and more as you battle your way through Dracula's army.

Cozy Grove

Developer: Spry Fox

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Cozy Grove on Apple Arcade.

Apple

Cozy Grove is like a haunted version of Animal Crossing , and it's adorable. In the game, you're a Spirit Scout tasked with bringing peace to the adorably haunted island of Cozy Grove. Explore the island, collect resources and craft items to survive, tend your fire -- Flamey -- and try to help the lost forest ghosts. The more you help, the more the island heals -- the environment becomes colorized and flowers grow.

Creaks

Developer: Amanita Design

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Creaks on Apple Arcade.

Apple

Creaks is an intricate puzzle platformer game that seeks to solve the mystery of what exactly goes bump in the night. In the game, you're spending a quiet evening in your room when the light starts flickering and the ground trembles. The wallpaper pulls back to reveal a secret door, and someone, or something, is making noise in there. Grab your flashlight and explore a mysterious subterranean world of bird people. Lurking in the shadows are deadly, shape-shifting monsters. But don't worry -- when you shine a light on them, they transform into harmless furniture.

Don't Starve: Pocket Edition

Developer: Klei

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Don't Starve: Pocket Edition on Apple Arcade

Screenshot by CNET

Don't Starve: Pocket Edition puts you in the role of Wilson, a scientist, transported to a mysterious, unexplored wilderness full of unidentified creatures, dangers and surprises. You must help Wilson fight off enemies, research, navigate the environment, craft resources, gather items, solve the mystery of the strange land and ultimately survive. 

The Get Out Kids

Developer: Frosty Pop

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The Get Out Kids on Apple Arcade.

Screenshot by CNET

The Get Out Kids mixes mystery with nostalgia, taking players back to 1984. Molly, Salim and Molly's dog Moses sneak out one night to catch a late showing of the Ghostblasters movie at the local drive-in. Along the way, they have to navigate creepy woods and sneak past the surly cemetery groundskeeper. When Moses goes missing suddenly and suspiciously, Molly and Salim begin an adventure to find out what happened to their canine friend. This narrative-driven game includes puzzles, hidden object searches and more. 

Hitchhiker

Developer: Versus Evil and Mad About Pandas

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Hitchhiker on Apple Arcade. 

Hitchhiker/Screenshot by Shelby Brown/CNET

Hitchhiker is a mystery game where you play as a hitchhiker with no memory of your past or destination. By catching rides with five strangers across a landscape of rolling hills, you must try and figure out who you are as well as find a mysterious missing friend. Everyone has a story to tell, but not everything is what it seems. Search the vehicles for clues and choose your words carefully to bring hidden parts of your identity to light -- and prepare for the dangers ahead. The longer you're on the road, the more your grasp on reality loosens.

Inmost

Developer: Hidden Layer Games and Chucklefish Games

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Inmost on Apple Arcade. 

Hidden Layer Games

Inmost, a hidden-object platformer, immediately drops players into a creepy world inside a mysterious house. You'll play as multiple characters whose storylines are more connected than they might seem at first. Navigate a strange castle and dodge menacing shadows on your path to find answers.

Jenny LeClue

Developer: Joe Russ and Ben Tillet

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Jenny LeClue on Apple Arcade.

Jenny LeClue/Twitter

Jenny LeClue envelops players in a mystery-adventure-thriller narrative, guided by choices you make. The game is set in the seemingly idyllic town of Arthurton, where you play as Jenny, a kid sleuth who is eager to prove her worth as a detective. When your mother is accused of murder, you set out to prove the truth. As you seek out answers, you quickly realize that nothing and no one in Arthurton are what they seem. 

Layton's Mystery Journey

Developer: Level 5

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Layton's Mystery Journey on Apple Arcade. 

Apple/Screenshot by CNET

Layton's Mystery Journey sets up a Sherlock Holmes meets Studio Ghibli environment to tell the story of Katrielle Layton -- a young detective out to unravel the mystery of her father's disappearance. Visit the crime scene, investigate with your magnifying glass, interview witnesses and suspects, collect clues and solve puzzles to crack the case. The puzzles in the game start off simple, and you can use coins to get clues if you get stuck. The more difficult a puzzle is, the higher its coin value. Earning coins also grants you access to end-game bonuses that help you solve your case. 

Murder Mystery Machine

Developer: Blazing Griffin

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Murder Mystery Machine on Apple Arcade. 

Apple Arcade

In Murder Mystery Machine, you're a detective out to prove yourself when a murder case comes across your desk. Explore the crime scene, collect evidence, interview suspects and make deductions to solve the case. You can get hints from your partner if you get stuck, but he's a bit surly. The game releases mysteries in episodes, and the first one is about a murdered politician. Fans of detective procedurals like Law & Order might like this game.

Necrobarista

Developer: Route 59

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Necrobarista on Apple Arcade.

Apple/Screenshot by Shelby Brown/CNET

Anime-style supernatural game Necrobarista tells the story of Maddy Xiao -- a barista and amateur necromancer -- is the new owner of the Terminal, a coffee shop that welcomes the dead to walk among the living for one night. Under the tutelage of coffee expert and necromancer Chay Wu, Maddy must navigate the Council of Death's rules, the ethics of life and death, and what it means to let go. 

Neo Cab

Developer: Chance Agency

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Neo Cab on Apple Arcade.

Apple/Screenshot by Shelby Brown/CNET

Neo Cab is a survival game for the digital age embroiled in a mystery. You play as Lina, the last human taxi driver in a world overcome by automation. When you move to Los Ojos to reconnect with your best friend, Savy, she vanishes. With no other options, you must keep taking passengers to earn money and get information about Savy's disappearance. This becomes increasingly difficult as you progress. Keep an eye on your Feelgrid bracelet to stay in tune with your emotions and ultimately remain human in this tech-noir game. 

Neversong

Developer: Serenity Forge

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Neversong on Apple Arcade.

Apple/Screenshot by Shelby Brown/CNET

Neversong is a side-scroller style puzzle game where you play as young Peet, who, upon waking from a coma, finds himself in a nightmare. With his girlfriend nowhere to be found, Peet must navigate the frightening halls of Blackfork Asylum and try to understand the sometimes-violent behavior of adults. The more he explores, the more the secrets of his past unfurl. Neversong has six levels to explore, including Red Wind Field and Blackfork Asylum, which are all packed with bosses to defeat. Armed with a baseball bat, his childhood friends and his pet bird, Peet will set out to learn the truth about his coma.

Nuts

Developer: Noodlecake 

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Nuts on Apple Arcade.

Apple

Nuts is a surveillance mystery game that's lightheartedly reminiscent of Firewatch. The squirrel population in Melmoth Forest is acting suspiciously and it's up to you, as a field researcher, to get to the bottom of it. Pack up your map, cameras, motion sensors, thermal imaging tech and GPS for the weirdest surveillance mission ever. Along the way, you'll be tasked with missions: Placing cameras, observing footage, tracking the squirrels' movements and more. The whole time, you're in communication with Professor Nina Scholz. With all that gear, plus your logic and wit, will you be able to uncover a bigger conspiracy?

The Room Two

Developer: Fireproof Games

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The Room Two on Apple Arcade

Screenshot by CNET

The Room Two is a gorgeous 3D mystery puzzle game. You must follow a trail of letters left behind by a mysterious scientist with the initials A.S. The game is intricate and requires a tactile approach to solving in-depth, multistep puzzles.

Survival Z

Developer: Ember Entertainment

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Survival Z on Apple Arcade.

Apple

Survival Z is a fun tower-defense-style strategy game that drops you into a world crippled by a zombie outbreak. You play as Megan, a loner mechanic who's savvy with a crossbow. When she meets Marcus, another survivor with intel on a diner potentially stocked with supplies, the pair head off on a journey, salvaging and upgrading equipment and battling waves of zombies along the way. 

Tangle Tower

Developer: SFB Games

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Tangle Tower on Apple Arcade.

Apple Arcade

In this clever, colorful game, Detective Grimoire and his sardonic partner Sally are on the hunt for the murderer of Freya Fellow in the mysterious Tangle Tower. The clues come pouring in long before you cross the first threshold to find out that the prime suspect is a painting. Investigate, explore, gather evidence, question suspects and solve puzzles to discover the truth. 

World's End Club

Developer: IzanagiGames

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World's End Club on Apple Arcade

Apple

World's End Club  is perhaps the darkest game on Apple Arcade so far. In the game, a busload of ragtag students known as the Go-Getters Club are on a field trip when a mysterious meteor causes the bus to crash. The kids awaken in a creepy theme park under the sea called World's End Land, and try to regroup. Suddenly, a floating harlequin named Pielope appears, and commands them to play a Game of Fate. As the stakes get higher, friendships are put to the test. Pielope's psychotic game sends the Go-Getter's Club on a dangerous adventure. 


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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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