I am looking to get a credit card. Never had one. I would like to have only1. Does anybody know where I can sign up to get a card without a lot of hassle?
2006-07-25 08:51:49 · 22 answers · asked by bicheeeened30 6 in Business & Finance ➔ Credit
Like another poster said, if you have never had credit, you may have to get a secured card.
Try the card selectors on the Bank of America, Orchard Bank and HSBC websites to see what may be offered to you.
The card selectors do not pull a hard inquiry unless you apply for a card that may be recommended. Keep in mind that even if a card is recommended and you apply, approval is not guaranteed.
Stay away from Cap One. The way they report will only hurt your credit.
2006-07-25 10:03:09 · answer #1 · answered by echo 7 · 1⤊ 0⤋
More important than a credit card is "good credit". How do you get it? Some banks are willing to help out young, responsible persons. Bank of America, for instance, has incentives for you to open a checking account, a savings account and they will extend a credit card with it. You have to be a student that is starting a job, even if it is at minimum wages and part-time. If your parents cosign with you it helps. Otherwise, there are plenty of companies willing to give you a credit card with substantial interest rates and pennalties. Find them in the Internet. Always read the "fine print" in these offers. Do not become an slave of the credit card companies - too many people are just that. Be wise about building up your credit rating. Eventually you will have your name all over the credit service agencies and the offers will come to you daily in the form of "unsolicited junk mail."
2006-07-25 09:17:25 · answer #2 · answered by 'stavo 2 · 0⤊ 0⤋
If you're 18, it shouldn't really be a problem. Younger than that, you might have to have a parent sign off on it. Just go to the various credit card sites, and look for student cards that will start you off with a relatively low limit.
Also, if you are just getting into college, they always have people waiting to sign you up. Usually you get something free too!
2006-07-25 08:54:33 · answer #3 · answered by Jorge 3 · 0⤊ 0⤋
It's always recommended that you go to your own bank, you can also check with the BBB, ask your family members who they've gone to. Check with Money Mag & see who they're recommending at the time. Wachovia actually used to have a card that was like 5% apr for life, one thing to make sure of though don't get in debt and spend above your means, if you can't pay the balance off in full by the end of the month... you don't need it.
2006-07-25 09:00:11 · answer #4 · answered by KitKat 6 · 0⤊ 0⤋
Since you say you never had a credit card, you probably dont have a credit history. So you can only get a secured credit card.
Any bank where you have a checkin account. Ask them if they give secured credit cards. They do not require credit history. But you will need to deposit the amount you want as credit limit.
2006-07-25 08:56:12 · answer #5 · answered by SamWiseGamgee 3 · 0⤊ 0⤋
you dont want credit cards, or good credit.. work, and save money, and pay cash for everything.
money talks, bullshit and credit are the same thing. It will always take you longer to pay something off you borrowed to buy, than it would to just save up and get it later.
By the way, within a week after my chapter 7, capital one was pounding my mailbox with credit card offers.
2006-07-25 09:23:52 · answer #6 · answered by kvuo 4 · 0⤊ 0⤋
No shifting funds on your Capital One card won't assist you purely yet. you purely could desire to pay as much as you in all risk can in the direction of your financial company of u . s . a . of america card each month and don't use it in any respect. Clip coupons, downgrade your cable or cellular telephone equipment, consume mac and cheese a pair nights each week. you would be shocked how plenty extra funds you will ought to placed in the direction of your credit card invoice. this is the main suitable thank you to pay it down. on the subject of the Avon account. this is time to speak on your mom. tell her you like her to pay that off NOW it hurting your credit extraordinarily in the event that they're calling you b/c she is previous due paying. you additionally can call Avon and notice in case you are able to nicely be taken off the account you are able to wish your mom's permission to try this yet once you're you able to ought to and quickly.
2016-10-08 07:42:14 · answer #7 · answered by ? 4 · 0⤊ 0⤋
Talk to your current bank. Ask them for a line of credit visa as your interest will be much much lower.
2006-07-25 08:54:44 · answer #8 · answered by gauthier613 3 · 0⤊ 0⤋
Capital One. ...and I recommend starting with a low credit limit as you are less likely to get yourself into financial hotwater.
2006-07-25 08:56:25 · answer #9 · answered by ModelFlyerChick 6 · 0⤊ 0⤋
chase has always been good to me. Try to get the 0% intro rate...but make sure you can pay it off in a year.
2006-07-25 08:54:31 · answer #10 · answered by Anonymous · 0⤊ 0⤋