Credit

Credit is the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future.

Debt is generally in the form of money, goods, or services owed by and individual or organization. The person or organization owing these amounts are known as the debtor or borrower.

You can go to the site of the credit card you are interested in and apply for a credit card.

 Tip:  Before you apply for a credit card check for pre-qualified offers through that company. This will let you know if you have met some pre-qualification standards and whether or not you are likely to be approved for a line of credit with that company. Not all credit card companies offer the option to check for pre-qualified offers. Capital One, Chase and American Express are among the companies that do.

A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual... Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits.

Generally 700 and higher (on a scale of 300 to 850) is considered good.