what credit card?, a lil help plz |
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 Mar 11 2009, 04:55 PM
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#1
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 Senior Member  Group: Member Posts: 254 Joined: Aug 2008 Member No: 682,007  |
hm, well i would like to apply for a credit card soon, just to really help build my credit &&& i was wanting some recommendations, there are so many i just can't decided HAH.
***i dont wanna knw how bad cards r etc blah blah blah*** |
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Mar 11 2009, 05:04 PM
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#2
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 Coming from Illinois Group: Member Posts: 319 Joined: Mar 2009 Member No: 718,627 |
I use Citibank's student card. If you have a checking account with somebody already, ask if they have a line of low interest credit cards.
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Mar 11 2009, 05:19 PM
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#3
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 (: Group: Official Designer Posts: 461 Joined: Jul 2005 Member No: 184,978 |
I have a MasterCard
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Mar 11 2009, 06:10 PM
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#4
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 Live long and prosper. Group: Staff Alumni Posts: 5,525 Joined: Nov 2006 Member No: 478,024 |
Shit,I dont play with credit cards.
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Mar 11 2009, 06:11 PM
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#5
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 poison Group: Official Member Posts: 4,806 Joined: Mar 2008 Member No: 629,020 |
if i were you i would get a debit card first. I know a lot of people who run into major problems when they get credit cards first.
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Mar 11 2009, 06:13 PM
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#6
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 Has a PhD in horribleness Group: Member Posts: 866 Joined: Sep 2008 Member No: 686,301 |
I only have a debit master card.
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Mar 11 2009, 06:55 PM
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#7
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 Senior Member Group: Staff Alumni Posts: 3,645 Joined: Feb 2004 Member No: 4,975 |
I would go with one with the lowest interest rate and finance charges AND with 0% interest for X amount of months.
I suggest you pay it off in full each month. |
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Mar 11 2009, 07:15 PM
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#8
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 DDR \\ I'm Dee :) Group: Mentor Posts: 8,662 Joined: Mar 2006 Member No: 384,020 |
Compare them and see what's going to work best for you. If you get a card because it comes with rewards, make sure they are ones that you actually use. If a card has introductory perks, make sure you look at charges and interest after that time is up. Also, make sure that they don't charge you a fee to have the card (a lot of business cards will do that). Some card companies like to be sneaky by not letting you pay the bill in full because they want the interest, make sure you avoid cards that do that.
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Mar 11 2009, 08:00 PM
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#9
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Senior Member Group: Member Posts: 254 Joined: Aug 2008 Member No: 682,007 |
QUOTE(Elba @ Mar 11 2009, 06:55 PM)  I would go with one with the lowest interest rate and finance charges AND with 0% interest for X amount of months. I suggest you pay it off in full each month. mhm...i was thinking about the MTV U student card it has great perks for places uni students shop (restaurants, movies etc) & its has 0& interest for 6mo, it just seems like the best idea. |
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Mar 11 2009, 08:35 PM
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#10
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 55KAMG's<3 Group: Member Posts: 232 Joined: Sep 2007 Member No: 577,506 |
American Express...
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Mar 11 2009, 08:47 PM
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#11
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 Senior Member Group: Official Member Posts: 6,349 Joined: Aug 2006 Member No: 455,274 |
Stick to your bank's credit card if you really need one. Stay away from credit cards right now... trust me
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Mar 11 2009, 09:21 PM
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#12
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Senior Member Group: Member Posts: 254 Joined: Aug 2008 Member No: 682,007 |
QUOTE(divergent @ Mar 11 2009, 08:30 PM) That's what I have. It's okay, starting min is 500 with $20 minimum monthly payments. You can set it to have mid monthly bills, or at the end of the month. iiight, so do u think it is worth it &&& i should go for this one? |
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Mar 11 2009, 09:41 PM
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#13
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*Influential Guitarist & Inspiring Writer* Group: Official Member Posts: 1,217 Joined: Sep 2004 Member No: 51,134 |
I have a capial one card, not bad for building credit, limit is 500 and a 40 dollar setup fee, my monthly payments are about 10-16 dollars a month, but I usually pay more than the minimum. but if you already have a checking/savings acc then I'd suggest you asking your bank for one to offer.
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