<prompt> Human: Long story short, I had 2 credit cards when I was 18 and unreliable and both went delinquent and ruined my credit for a bit. Im 32 now and have a credit score of 687 and 689. Ive got nothing bad on my credit report, and actually theres nothing on it aside from a car payment for the last year..which I have made every payment on time, which my report shows obviously. Id like to increase my credit by getting a credit card, but Im not sure where to start. Capital One offers have popped up for me on Credit Karma, but Im not sure if its better to call them and see if I can get approved for one or if I should apply directly online. Any thoughts or help would be appreciated!  <response>: 689 is decent where you shouldnt need a secured card. Outside of the high end cards like AMEX Plat or Chase Sapphire Reserve, you should be able to apply and get approved at most places. Find a card that gives you the most cash backrewards for your biggest purchases total by year and apply. 