mimi.mocha
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Try a bank card, especially the ones tied to your account. Even when you make mistakes and end up with the occasinal bounced check or overspend, there's backup. You get charged a fee and it doesn't end up on your credit report. |
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like to help
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I feel the best way to build your good credit rating would be to start with one of the new Visa Debit cards where you actually use only your existing money but through their system. That way you get a good credit rating without joining the thousands of other young people out there with massive debt that will take them another 10 years to clear before buying their own home or other major item. I didn't get my first credit card until I was 35 and I am so happy. I even bought my first home and second one for that matter without one.
Another way is to buy something major that you next need like a lounge, video camera etc with one of those interest free for 12 to 18 months deals and pay it off in that time, that way you will have an A1 credit rating and no debt to worry about. Just stay strict and be prepared to cut it up if you feel you can't control your spending.
PS. don't let anyone know you have one while you are working out whether you can control your spending or your friends may ask you to purchase things for them and it can get way out of control very quickly.
Good luck.....just take your time deciding, don't be in a hurry and everything will go well. |
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DENIS
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best one is none,putting yourself into debt will be the worst move you could ever make,they charge way to high interest and before you know you are in more debt than you can afford,.i know because it happened to me and it took me 6 years to get out of debt.
i now owe nothing to anybody and will never get a credit card or loan again |
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Thomasina Paine
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There are only about 5 main banks and are pretty much all the same. MBNA used to be the best before Wachovia bought them.
Just look at interest rates and annual fees. |
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abel jarrod
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It's good news folks for all Bank of America fans. Open your arms to receive the Rewards American Express Card from Bank of America. What makes this credit card special is that it will be readily accepted across the global network of American Express . Proudly called the Bank of America - Rewards™ American Express Card, it brings together the goodness of both the Bank of America and American Express. Let us look at some of its features.
Basic features highlights
1. 0% Introductory APR (Annual Percentage Rate) on balance transfers and cash advance checks for first 12 billing cycles.
2. Low fixed interest rates after the introductory rate has expired.
3. No annual fee.
4. Option to pay over time.
5. Emergency services such as replacement of prescription, physicians, hospitals, and referrals as well as legal referral services.
6. Extended warranty protection on purchases from scheduled outlets
7. Insurances for accident, damage and rental loss, while traveling
8. Protection against damage or theft of the card
Get more details from: http://www.credit-card-gallery.com/American_Express.html |
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annie
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Here I'll help you... --http://www.rewardcreditcardsite.com/-- Usually if I need a reward credit card, I just look on that site and if I need a business credit card for my business here --http://www.businesscreditcardsite.com--... It's really helpful.. |
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white.wendell@sbcglobal.net
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Instead of doing it with a credit card, why not opt for a small personal loan from your bank. You can put the proceeds from the loan directly into your checking account and pay your loan from it. Don't use the automatic electronic deduction process... Also if you don't actually spend the money that you have borrowed it is only costing you the price of the interest to build credit. |
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mruzomberka
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I don't think there is a specific company that is a good bet.
However you will probably get a higher limit at a store like Circuit City or Best Buy to start.
Target has a pretty good credit card as you get 10% purchases for every $1000 you spend. |
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Craig T
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Thomasina Payne wrote"MBNA used to be the best before Wachovia bought them"
Actually MBNA was bought by Bank of America in 2005.
To the original poster - hard to get anyone to agree on what the best card company is. I would suggest starting with your bank if they offer a credit card. |
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Silent Suicide
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go to creditcards.com they'll have a whole list of different kinds of cards and you can find one that's right for you. |
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tw158
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Capital One has cards for people with all kinds of credit histories. Check them out first. |
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jan d
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The dilemma facing many first time credit card applicants is whether they should go for Visa or MasterCard. But there are no significant differences between the two leading credit card brands. However a better knowledge about both the companies will help you use the rivalry between the two for your profit.
http://debts-to-wealth.com/category/Visa-Or-Mastercard.html |
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Jason K
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no such thing, their a thieves making profit off your lust for material goods. |
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h0ckeynut17
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None of them.
Why you need to have debt to prove you can accept debt is beyond me.
Looking back I wish I had rented all my life and never owned a single credit card or "bought" a house. |
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cbabysnugglebunny
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visa or mastercard!
Maybe even a capital one |
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