The best time to get a credit card is generally when you are financially ready and have a specific need or goal for it. Key moments include:

• When you are 18 years old, the typical age to legally get a credit card and begin building a credit history early, which benefits your credit score long-term.

• If you want to build or rebuild your credit profile and gain a credit history that will help qualify for loans, mortgages, or better interest rates.

• When you have a balance on a high-interest card and want a 0% APR balance transfer to save on interest.

• If you are planning a large purchase and want to take advantage of promotional 0% APR offers or earn sign-up bonuses.

• When you have good to excellent credit (usually a credit score above 670) increasing your chances of approval and better card terms.

• Avoid applying if you have many recent hard credit inquiries, poor financial health, or are about to apply for a major loan like a mortgage to protect your credit score.

In summary, the ideal time varies based on personal circumstances, credit readiness, and financial goals. Starting at age 18 if ready, or when you have a clear financial advantage or need, is recommended for getting a credit card responsibly.