How to apply for a credit card?

In most of cases applying for a credit card is simple process but if you plan and compare all offers all should be good.
if you are applying for a credit crad first time then The Best thing to do is talk to a friend or relative who is using it for couple of years.By this time he or she will be able to provide you best info which sales man of bank will not tell you.

Ask your friend about all the hidden charges and ask specify questions to bank representative.
and when he answer your questions ask him to demonstrate it on the agreements papers.

applying for a credit card can take more time then you expected and banks can deny it for no reasons,so if you need to use a credit card for a important business plan it well in time.
Don't get dis hearted if a bank deny you the card (you should be rather happy as most of the banks looks for fools to give most of their offers and luckily you are not the one).