creadit card processing

I really have to start the credit card processing I want to apply because this is for my own good. Credit cards are safe to use online or at local stores based on my readings. They have certain protection that would really protect the consumers from fraud and identity theft rather than using debit cards. The way my friend make it sound, applying for a credit card shouldn't be of no hassle and not difficult at all. Of course, I would love to have one but I have to inform and talk about this to my spouse. I want him to know every action and every move I make has his knowledge and authorization for in case something bad happen, we have no one to be blame but ourselves.