But I do earn those credits from working and paying taxes, right?
Yes, you earn Social Security credits when you work and pay Social Security taxes.
What is the procedure for using the online application?
To apply retirement benefits, click the Apply Retirement Benefits tab. Make a new Social Security account or log in to an existing one. To apply, go to the website and fill out the form. You can either complete your application in one sitting or begin it now and finish it later.