<prompt> Human: So I decided to splurge a bit from my savings and take a vacation to France in a couple months. Figured Id need a credit card, since I figure itd be safer than using my debit card. I made a CreditKarma account, and my TransUnion score is 786. I want to take advantage of this score and apply for some nicer credit cards. I understand that applying for new lines of credit will ding you score slightly, especially if you get denied and have to apply several times. I dont want that to happen, I guess Id rather apply for worse credit cards than take a chance on a nicer one, and have to apply again elsewhere. So I guess my question is, is my credit score just as valid as as someone else who has a more legitimate credit history? Are my chances for getting a credit card just as good as any other 786 FICO score? Any advice is much appreciated.  <response>: Your CreditKarma score isnt your FICO score. They use their own scoring model. Since your score is based on you being an AU on your parents card, its likely you wont be approved for a higher end credit card. Most banks will want a year of your own CC history before giving you one of their better cards. 