choosing a credit card

[CHILLA44]

alright im young i got some credit but i need a f.....ng credit card does anyone know where i can get my hands on one that wont screw me over?

[werd23]

You could always try Visa online or Bank of America online

[tubaman]

alright im young i got some credit but i need a f.....ng credit card does anyone know where i can get my hands on one that wont screw me over?
I hate to tell you, but it's not possible. Credit card's that don't screw you don't exist. If you are just needing a credit card to shop online, you can use paypal. It creates a credit card # you can use online. Or you can get a visa check card. Takes it out of your checking account, and works like a credit card.

[bpsgirlfriend]

if you're in school, you can usually get a student card. you won't get alot of credit, but you'll get the card.

[Justin]

An airline card or one with some perks.

[gruxx]

For the love of God, get one with perks, either money back like discover, FreqFly miles, free gas, car discounts, free video rental. Just get one that gives you something.

My parents use a standard bank of america visa card. it's like pulling teeth when i say, OTHER CARDS GIVE YOU FREE STUFF FOR JUST USING THEM. :duh:

But if you don't pay it off every month, then yeah, you're gonna get screwed. It's how they make their money. Most introductory cards start at a real small credit line anyway. so it's pretty safe and you won't get into super debt trouble out of the gate.

[elpaisa]

Try one that offers no annual fee and low interests...search the web for specials.

[stejen]

Hit up a college campus. They have a bunch of brochures for student cards. The rates arent that great and they dont give you a whole lot of spending power. But Its a great way to start if you're trying to build credit. Most importantly, USE IT WISELY!!!!

[EyeminmyPrime]

alright im young i got some credit but i need a f.....ng credit card does anyone know where i can get my hands on one that wont screw me over?

I don't have a specific answer just advice.

Find ONE with a low interested rate and don't open any other. Having more than one will ultiately lead tro your financial undoing unless you are some kind of freak who knows how to manage money! lol

They also have ones where you secure your own balance by paying $500 or so. YOu then have a $500.00 or $1000 limit. I think these are designed to help you build up your credit history and for people who have problems qualifying for a card.

[Stifler]

If you're just starting off stick with something simple and one that doesn't have an annual fee. The best thing to do right now is build up your credit rating, because once you do that you should be able to get any card you want - but for now you should really keep it simple with a basic VISA or MasterCard and then work your way up. Low rates are what you need now.

[Gansey]

Man dont get a credit card, just get a debit card through your bank that way you can pay for all your shit online. Credit cards are the worst things in the world for young adults....

[washucivic]

If you want one try Citi Bank... They are better than most intro credit cards. I think my cards have a interest rate of 13% but this is better than the other ones that have an annual fee and about 20%. They offer 1% cash back on all purchases and up to 5% (i think) on some purchases like gas or groceries or something. They will give you a good credit limit too... I started at 1500 and have gone up from there. Make sure you are going to be responsible. The only reason I got a credit card is becauseI wanted an easy way of keeping track of business expenses. This is going to be the first month that i have not paid the entire balance in full so i try to keep up with things. Hope this helps.

PS if you want to give me your email address I can send you a link to the citi cards page... i can earn a $50 credit for referring you :rock:

[skyextrm]

capital one is easy card to start

[ET1(SS)]

We have one through our bank.

We get air-miles. And we have used them. You just never know when you may suddenly need to fly somewhere, so it does save you tons of money when you do travel. Or save up air-miles and use them for vacations to places that you would never have been able to afford traveling to otherwise. Either way you make out.

Never pay interest charges, always pay off the balance each month before they add interest charges.

Never own a card with an annual fee.

Never pay any money to the credit card company, just for giving you a card.

Use it: dont pay annual fees, dont pay interest, collect free air-miles, yeah that sums it all up.

:-)

[gamble61]

Credit is like drugs. Very addictive. Unfortunatley, you have to have it. Shop around and find the best rate you can. Don't accept their limit (what the h-ll do you need with a $5,000 limit anyway). That is a sure recipe for disaster. Pay balances in full at the end of each month if possible. Cash advances always bring extremely high interest rates (20-25%). Go debit if possible.

[jyoungs4545]

I got some advice for you. Be patient with the rewards, they are harder to get, and if you do get it, they will jack up the interest rates beyond anything.

This is my story:
Turned 18, got the citibank platinum select for college students. 16% no fee 6 months intro of 0% 1,200 credit line
2 months later, by suggestion of my father(who is a loan officer, knows all about building your credit score) I picked up another card, this time from capital one.
Just your average credit card, 20% no fee 200 credit line.

Avoid late payments.
Paying off you balance in full each month will save you a bundle. Doesnt really affect your credit score to much tho.
Keep 2-4 Cards open.
Do not close too many accounts, try to keep them open for at least 2 years before you cancel/close a credit card.

And now here I am, a little less than 2 years later;
I recently recieved the citibank platinum select dividends card. %1 back on everything %5 back on gas/groceries 11% interest rate, no fee, 2400 credit line
A week after I got the capital one Go Cash. 1% back on everything. 10% interest rate, no fee, 5000 credit line.

So Now Im just chilling, building my credit and getting cash back on stuff i would normally buy anyways!

Hope this post helped!

[mdocod]

I started at 500 limit on a 11% flat no fee visa when i was 18.... i used it heavily and payed on it heavily for about a year, then stopped using it at all... a year later, I went to use it... and they bumped by credit line up to 2500. same 11% rate, still no fee, not bad for 21 years old i suppose....

I personally hate capitol one, and this has nothing to do with having one of their cards (i don't)... but the mail they sent me non-stop for years... every other day i got something in the mail from them, and to top it off, when i called to ask them to stop, i was like, talking to someone who didn't know hardly any english. Took us 30 minuts for me to explain that I didn't want to receive mail anymore, then another 20 minuts for him to gather information to submit a cancelation request.... then it took 3 months for the actual mail to stop coming.

[nakamichi217]

Take caution with credit. But you still need to build credit to get mortage later in life but managing it is the hardest thing to do. I would apply either for a discover which offers cash back incentives or go with Chase Manhatten Bank Visa or a Providian mastercard they are the best and don't have annual fees.

[ET1(SS)]

Take caution with credit.

True.

... But you still need to build credit to get mortage later in life ...

Not anymore you dont. Our son just bought a house, the only card with his name on it had been mine.


... I would apply either for a discover which offers cash back incentives or go with Chase Manhatten Bank Visa or a Providian mastercard they are the best and don't have annual fees.

Or go for the air-miles.

Never pay interest charges, always pay off the balance each month before they add interest charges.

Never own a card with an annual fee.

Never pay any money to the credit card company, just for giving you a card.

[bid564]

how much credit are u all talking about in student card

[inimyaudi]

jyoungs4545 has it about right. start by applying for a discover card.

if you really want to improve your credit score, paying on time is the most important thing.

also, if you are lucky enough to get platinum status, there are usually benefits like extended warranty protection and rental car insurance coverage.

with today's "cash back" cards, it pays to keep one card clear of any balance and use it for everyday purchases and pay all those gas and groceries off at the end of the month.