cloius
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Capital One Student Credit Card or Discover Student Credit Card. Both credit cards have low interest and no annual fees. http://bestcreditcardratings.com/student-credit-cards/ |
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goglefi
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why ever would you need credit?
get a debit card. if you cant afford cash, you can't afford credit.
if you look at any interest rate, to make the math simple let's say 10%. any creditor is guaranteeing that you will pay $1,100
for every $1,000 worth of useless or useful crap you purchase.
why on earth if you are already a poor student, would you want to donate more than 10% of your already limited funds to a financial rapist??? |
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Credic J
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Discover has some pretty good student cards:
http://www.buildcreditblog.com/student-credit-cards |
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hdawn1977
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If you want to shop and compare student cards from differents issuers then I recommend this site. I found it helpful because you can actually search by "student cards", there's a tab on the left of the site. Then you can compare all the companies that offer student cards and see which one has the lowest interest rate and annual fees. Find the one you like then apply. Good luck!
http://morecreditoptions.NewCreditApplications.com |
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Steph
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Credit card offers- like the ones you get in the mail- are a very bad idea! Instead, talk to a financial adviser from your bank and see if you can get a credit card through them. You will probably be able to get a better deal (with a Low APR) and better customer service at your bank than you could anywhere else. |
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Mike
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Hey Rebecca!
Most student credit cards out there don't require you to pay an annual fee. In fact, you can usually get rewards if you use the card properly. As long as you pay it off in full, you can really take advanage of the rewards. It seems like you have your head on your shoulders, so you shouldn't have a problem with a credit card.
I would suggest you check out Citi Bank and Chase. |
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Family1
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there are a couple of ways you could start building credit, you could get a small personal loan which you might need a cosigner or the best way will be getting a credit cards, you could get a credit card and use it for your every day expenses but make sure you pay in full at the end of the month that way it will show pay in full everytime the credit card company reports to the credit beuros. At the begining you will only be approved for the lower end credit cards but once you build credit in about 6-9 months you should be able to apply for a better card with better benefits such as free miles or cash back. Check out www.fastcardapprovals.com or fastcreditcardapprovals.com and go under bad credit section and you will find a few choices. Unless you are a student then apply for a student credit card this cards have no annual fee and lower rates.
http://www.fastcardapprovals.com/Student-Credit-Cards/6
http://fastcreditcardapprovals.com/ |
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wendy b
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To establish credit but not use the card, and no monthly fees. I would call capital one. WHATS IN YOUR WALLET Get the card and don't use it. There is no annual fees. If you do use it. you have to pay it off so you don't get over your head. You want to build your credit in a good way, not bad.
Otherwise, and same rules apply as above, get a dept store card. You can get good credit with those too.
DO NOT OVERSPEND. Get it and freeze it and use only in absolute medical emergencies. |
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laacceeyy21
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DO NOT get Bank Of America. They tend to have a REALLY REALLY high interest rate (out of all my CC). With BOA I had like a 16% interest rate but on my Chase CC I have only a 6.7% interest rate. I would do a little searching around to see what interest rate you could get. Some CC's may even offer no Interest Rate for 6 months or 1 year (which is EXCELLENT!!). So I highly recommend shopping around for the lowest interest rate and going with that CC company. Good Luck!!
http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=category_student&page=index
Edit: Don't do a "pay ahead CC" because you can't build credit with that.
Edit: I also forgot to say that your first card will have a higher interest rate because you don't have any credit, but once you start to build credit you can have your rate lowered. |
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Jessie
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go with a pay ahead credit card |
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Bart M
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If your income is such that limited resources abound, what logic would prevail in incurring debt for the sake of it's own merit. Fortunes are not made through the scripts often played in the circles of credit score, debt, numerous obligations and default scenarios. Your best bet is to simply have a well thought out plan which takes into account what level of spending your income or assets will support.
it's not wise to spend what one does not have. |
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