does getting a credit card lower your credit score?
its my 18th bday and i have a few questions about credit cards and credit scores. A- how can i find out my credit score? B- If i apply for and get a victorias secret or other stores credit card does just having the card lower my score or is it only if i dont pay it or get behind on payments? and lastly do i need to do something to raise my credit score before i can apply for a credit card?