Before applying for your HDFC credit card, you will need to know what is needed when applying for a card. In most cases, you need to have good credit to be approved. Because of this, you should try to raise your current score so that your odds of being approved are greater. When you finally receive your card, keep yourself under control and try not to use it for every purchase that you make. By regulating your use, you will be able to avoid going into debt and living a life with your family that is filled with financial stress.