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I just got my green card, my social and my ID…I am jobless, how can I start having credit cards?DO they always require me to work? I am married, will that count?What company would give me my first credit card?

Do Sears credit cards check on your credit or do they go by your income. i had a sales rep. to tell me that they are based on income, but i personally think shes misinformed because its a credit card, yet it is just for appliances in Sears that you can charge on it and you make low monthly payments on it, so im not sure. anyone know?

1)How does the whole system and procedure work?
2)Do debit cards work as well as credit cards?
3) I know the consumer has to take precautions but what are the security procedures and precautions taken by credit card companies and online payment companies and systems to protect you?
4) What shud i look for in a website to know it is totally secure and is known and legally accepted by govt agencies, banks and other agencies in concern?
5) Is there a universal agency/institute that websites which accept online payment are registered with?(for example ISO for quality of goods etc.)

I’m always paranoid and want to accomplish things quickly. I’m just trying to see where I stand in comparison to most people around my age. I’m 25 years-old and I will have made almost $120K by end of this year. Here are my finances:

- $12,000 in 401K
- $6,500 in savings

Debt
- $3,600 in credit cards
- $15,000 in student loans
- $500/month payment on a lease

My son is involved in a rather expensive sport and we are looking for ways to maximize the use of credit card travel miles for travel to national tournaments. We just started using an airline credit card to pay for monthly bills and then just pay off the card every month to accumlate miles. What if another card from another airline were used periodically to pay that monthly balance off and then allow the card from the second airlines to accumulate miles-kind of a rotation of credit cards-does anyone know if the card companies allow this?
If not, does anyone have any suggestions for ways around this or a different angle that can be used to the same end?