I am trying to rebuild my credit. What is a good credit card to start with?

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babbles	check them all out here and compare to see what is best for you. creditcards.com

Name	That's like saying, "I have a sore on my head from hitting myself. What's another way to hit myself in the head again?" Get out of debt.

Goonhilda	The best way to rebuild your credit rating is not with a credit card at all. Start a savings plan. Stick to it. The easiest way is to have your employer pay part of your pay packet into another account -- one that you can't touch unless you physically walk into the bank with your passbook. Try to make it 10% of your income if you can, or more. The more you save regularly will make your credit rating look great. Try to get an account that earns interest, so that your money is working for you. Get a visa debit card. Use it as if it was a credit card, but use your own money. If you absolutely must have a credit card (I've half paid off a house on minimum wage, I'm not even 30 yet and I have never owned a credit card in my life) get one that suits how you use it. Do you need a low interest rate, or an interest free period. The golden rule is ALWAYS PAY BACK MORE THAN YOU OWE, SO THAT YOUR CREDIT BALANCE IS IN THE BLACK. For instance, owe $10 on the card? Pay back $11. This will make your credit history look amazing.

friskymisty01	perhaps a Zellers card or large shop like Sears or The Bay that will help build your credit back up* Learn from your past mistakes...credit cards are so easy to have spending money anytime anyplace, but Remember....nothing comes for free.....YOu have to pay the piper. If you do that every month when the bill comes in , you'll have good credit once again~* BEST WISHES* start the new year off right~*

Eastwoods' Baby	we started out w/just a small department store card. built our credit up & then got every card in the world, it's just as easy now a days to just go to thru a mastercard or visa to get credit, they're sending them out to people everyday. just pay yur bill on time, & dont go over the spending limit, be sooooooooo careful though, it's very easy to get in too much debt !

Katze	American Express, because you have to pay it off every time you get a statement. If you have discipline and pay off your credit card every month, then just get a gasoline card or a Department Store Credit Card.

paulie10182	check out www.myfirstcreditcard.com.au to see what the providers are after they are some non bank lenders on the panel good luck

jgonzos6	well you have to prioritize your finances. Bad credit stays on you record for seven years. try a prepaid card with low balance and pay it off every month or keep it under 25% of the max. Depends on you situation to get you credit back to good standing.

Duane	If your trying to rebuild your credit a good card that is fairly easy to get and is not secured would be Orchard Bank. I don't know why you need to rebuild your credit, but go to my website and read it all. I'm sure there is information you could use because My site is about rebuilding credit. I had to do this in real life! I had my ID stolen and went into bankruptcy and I still got my score up from 486 to 730 in a little over a year, so this is something I know about! I also uncover and explain a list of the most common scams you should avoid! You have no idea how many times I was hit with these! Get a free copy of your credit report too.

GTW	There are a few check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates and rewards, GOOD, BAD OR NO CREDIT they have the right card for you. just go under the poor or no credit section.

love333	I would go for a Chase or Discover credit cards. These companies are very good in rebuilding your credits. You can choose a card with low interest, no annual fees, and or rewards. Bank of America is also good for rewards. This site has a list of all credit cards that could be of help to you in your decision making. http://www.bestcreditcardratings.com

wcowell2000	HSBC or Orchard Bank. They are both on the web.

debs	Try Capital One Bank......they will let you start off with a small credit limit, but are pretty strict about not raising it for a long time....at least they did give me a card with a $1250.00 limit, and my credit is starting to go bad due to medical bills piling up. They started at about $750 as the limit, but raised it each month the bill was paid in full for the first 3 months, up to the rate it is at now.....then they stopped allowing it to be raised so easily.....worth a try, anyway....

justagorilla	if your credit is bad your choices are few. Cap 1 has an annual fee...but it is easy to obtain. It's an okay place to start, but as your ratings improve, insist on better rates, and no annual fee. Maybe down the road you could do a balance transfer to a better card. But keep your balances low to zero, cause credit can kill!

Ewiase	none. do not start again with credit, because you will end with it.

beauty s	I would say Orchard bank and its pretty easy to get .. Good luck

Meghan	There are several secured credit cards you can probably get. Just don't use it often and only when you can pay it off. You might be better off using the money to pay off the bad debts you have that are hurting your credit rating.

Dont Ask	Any card will do. You may need a secured card, where basically you pay the bank some money, then you can 'charge' against that money. Even if you charge 1 thing a month, and pay it off right away, it builds up that history of making timely payments.

$m¤¤v¥ £¤¢¤	Hey, Shaneka... I work at a credit card company manually reviewing applications. Sometimes I have to turn people down even though I feel that everyone deserves a second chance, so I know all about your situation. Duane touched on Orchard Bank, which is a fairly good company to rebuild your credit, but I have to disagree with him about secured credit cards. Actually secured cards are the best option to rebuild your credit because they're the easiest to get. Keep in mind that each time you apply for credit whether you're approved or denied, a "hard inquiry" is created which can lower your score 5-10 points each time. It's important to get a card that you can be easily approved for, which a secured card would work. A deposit which is used as collateral is placed upfront which establishes a credit line for you. For example, you deposit $300, your credit line would be $300. The deposit isn't used to pay the balance, unless it went to collections, but it's usually linked to a savings account which gains interest while you're building credit, so the deposit just doens't sit there. Even though you're using your money to put up the deposit, you would be able to custom build a credit card with a decent limit. A good way to use the card without going into debt would be to make small purchases that you know you can pay off on time every month and increase the credit limit by adding to the deposit, which would help your credit. Usually after a year or so of paying on time, increasing the limit and keeping the balance paid off, the card either changes over to a regular card or a better card's offered, and most importantly the deposit isn't needed anymore and it's given back. I posted several links to some secured card companies hopefully they will help out Good Luck!

Stephen K	Capital One or American Express Blue

bogee_man22	Capital One

copper	that comes with life time free and minimum interest rates added in with maximum payment period..

PoshNBecks	Capital One Platinum card,or the basic Visa

Dalton	Plastic is good. Seriously, use a Mastercard.

Penny	if you are trying to rebuild ...dont get a credit car ...buy a car or something