I have a savings andchecking account but now I need a credit card. What's the easiest way to do this?

Answer 1

I would try applying for one at the bank you do your business with. If you don't have any credit history it is still hard to get one some times. Try asking for a credit limit of about $300.00 to start with. If that doesn't work there are banks where you can make a deposit like a savings account and you can use that money like credit. You are guaranteed to get one of these cards. If you make your payments on time they will increase your credit limit above what you have deposited.

Answer 2

The easiest thing to do is to apply for one from your bank. Since you're a known customer to them, it shouldn't be a problem for them to issue a card to you, although the limit might be small at first.

Credit cards offer a lot of benefits. They sometimes offer extended warranties for the things you purchase. They help you resolve disputes with sellers. They limit your liability if they're stolen. Some of them even pay back money to you.

But use any credit card with extreme caution. Don't go over your limit. If you don't pay your balance off in full (and on time) every month, the interest rates and fees will dwarf any benefit you will get from using the card. Most people make the mistake of thinking a credit card will stretch their money because they can buy things they don't have the money for. That's dead wrong. It doesn't stretch your money; it *shrinks* it. The reality is that you not only have to pay for what you bought, but interest on top of it. As a result, you'll eventually wind up paying $121 for something that you initially charged for $100. It's not a good way to live. Don't get in over your head.

Answer 3

Hopefully your check card has a credit logo on it. If it doesn't, apply for a credit card through your bank. You can then have the type so that when you make credit purchases the money is automatically deducted from your account. But if you are very young, say, under 21, you don't need a credit card yet.

Answer 4

apply at a store such as jc pennys or try for a walmart card good way to get the credit rolling......and when you do finally get a credit card dont charge and then pay the balance off right away make a few payments to let them know that you CAN make the payments...then you will get credit

Answer 5

most banks will give you a visa or matercard in the form of a check card - which can be used in any situation you would use a credit card- the good thing is you spend only money you already have.

Answer 6

What is your current credit score?

Answer 7

Go to your bank and apply for one.