Waine
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Hi there, here's what gets me best answer quite often on credit cards questions:
http://credit-cards.ebookorama.com
and here http://finance.ebookorama.com
if it helps please remember me :-)
good luck! |
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Billy S
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cash---no interest on that |
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chrissyt91
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visa |
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CCTCC
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None. Debit card is the only way to go. Credit cards are of the debbil. |
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Diaboyos
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None at all. I've never had a credit card and I'm over 30. |
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echo
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If you have never had a credit card, either major card or store card, you will probably have to start with a secured card.
Your best bet is to try with your bank or credit union first.
Bank of America would probably be the next best bet. BoA will grow with you. Also, if you keep the card in good standing, it should unsecure somewhere around 9 to 12 months.
You could also try with Orchard Bank or HSBC. Though they are sub prime cards, they do make good starter cards.
All three, BoA, Orchard and HSBC has card selectors on their web sites. The card selectors will not pull a hard inquiry unless you actually apply for a recommended card.
Stay away from Cap One. They do not report credit limits. They only report balance limits. When a company reports that way, it will hurt your credit.
For a store card you might try WalMart. Also, if you are trying to build up a credit history, you might try for a Chevron/Texaco gas card.
You might also go to the Crown Jewelers site and sign up for their card. They do not pull a credit report, you would automatically be approved. The catch is that you have to make a purchase for them to report. But, you can make a small $20 or $30 purchase and get a $1500 credit limit showing on your reports.
That's not to bad for someone who needs to either build or rebuild their credit considering some cards require high non refundable fees to have their cards. |
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joedem633
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I am assuming you are trying to establish credit. The easiest card to obtain is a gas credit card followed by a department store card. After about 6 months, you should have no problem obtaining a major credit card. |
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Scott c
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Personally credit cards are a no no ....... if you have to use one chances are you can't afford what you are thinking of buying . So you will end up paying too much for something you can't afford in the first place. I believe they are just traps for poor people. But I would love to make that kind of interest on my money ,,,,,, being new they are going to hang you on the interest...... |
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curiousandsmiley
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A debit card... when you run out of money, you can't spend anymore and you don't owe.
But seriously, stay away from credit cards, my ex maxed out several and put me into a bancruptcy which still dogs me to this day. |
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April G
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None!!! I got one and maxed it out in 3 weeks!! It had a $5000 limit so not I'm hurt for cash!! |
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Ricknows
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A card with a lower interest rate and a FIXED RATE..... |
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Joe P
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Orchard Bank |
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jayakrishnanmenon
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athmavidya , the journey into ultimate... |
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damalujordan
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Im not sure but you should find a simple one. My dad uses mastercard. |
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Chatty
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I agree with the first post. Watch your limit though, they have a tendency to raise it and even though it's very inviting to have that amount at your disposal it's VERY easy to get into trouble, and the interest at a higher amount owing is disgusting. |
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pinkstealth
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citibank.com |
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kristen
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A check card from your bank. That way, you only spend what you have. Try to get a cash reserve account with that bank, though, in case you go over your limit. |
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usserydog
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One with a small limit,low rate,on annual fee. Start with a low limit to make sure you can keep up with payments. You do not want one with 3000.00 limit and max it out with no way to pay. It happens quick if you are not careful. Start low work your way up. Good luck |
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paperback_writer2003
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Go to Money Magazine. They provide you with the best rates on credit cards. Plus they have great insight on how best to use a credit card. |
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brightpool
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The best card is one that does not cost you to carry it; that is, it does not have an annual fee.
Also, the best card is the one on which you never carry a balance. Carrying a balance will cost you plenty, no matter how low the interest rate is on the card.
A cash-back incentive can also be good, but, again, only on a card that doesn't cost you to carry it.
And, remember, the credit card company can change the interest rate any time they want, which makes it dangerous for you to carry a balance (see the second paragraph again). Even if you start at only 7.9 percent interest, they can jump it up to 12.9 percent next year without even asking you if you want them to (and without your doing anything wrong in the meantime). It happened to me.
So, get a free card, one that maybe has a cash-back incentive on your purchases (1 to 5 percent is typical of decent cash-back cards), and pay off the entire balance every time you get a statement -- WITHOUT FAIL! |
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otherworldtrader@yahoo.com
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It's best to not ever have a credit in my personal opinion, but to rely on several debit cards if you have the cash. It's cheaper and without the hastle. However I think for honesty, pricing, and service a chase bank card would be the best. For a new comer a chase card with 10 grand credit is easier and cheaper than most higher priced ones like Capital -one.
The one draw back with debit cards and (credit cards) most gas station and convience stores where you buy gas remember your pin number, and if you lose your card anyone could use it.
I've only been asked for proof of Id with a credit card once in walmarts, twice for an id in walmarts for use of a check, and never for using a debit card. So these days all of them are risky. |
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Hoa N
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The best credit card is never use credit card at all. that save you a lot of trouble later. Just use the debit card to substract from your checking account would be fine |
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misty
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capital one,, they really great,they are like moms watching over a little kid they noitfy my about evry change in my account and even sent me personal note telling me how glad they were that i opend an account with them , theyr alwayse checking up on me to let me know whats going on with my account and help me understand more . |
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traffic814
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try this webite to help you find it
http://www.bestcreditrates.net |
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d_sweetgal
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Get a secured credit card. A secured credit card allows you to make a certain amount of deposit so that if you loose your job, you will have back up money. This card also comes with other benefits. Capital One is a good choice. |
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First Lady
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One that doesn't have a high credit line. |
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renee1724
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capital one |
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ronchoward@sbcglobal.net
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There really isn't one.They all have their own little scam going.Don't get one unless you can pay it off before 30 days.I would go with any card that has zero interest for the first six mo. or so .Than switch to another card with zero interest and CANCEL the other card.I think they are a mistake, but seem to be one that everyone makes.Good luck |
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not2proud2beg2000
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None, leave them where they are use cash!!! |
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