I need to know what I have to do to get my own credit card (from start to finish). I am 22 years old and I still live at home. I already have 2 mastercards and visa card that my dad gave to me when i was 16 so that I could start to establsh good credit...however all the monthly purchases made by my mother, father, and myself appear on one bill. I am really tired of having to tally up my expenses and explain them to my parents and I want to know what I need to do to get my own credit card so that I can have some privacy.
2006-11-15 06:57:24 · 10 answers · asked by NiK* 2 in Business & Finance ➔ Credit
Simple, go to www.creditcards.com and compare the cards, and choose one.
Fill out the online form, and if they approve you, you will be sent a card in the mail.
Activate the card, and begin using it for purchases, but be careful not to get yourself into debt!!!! Manage your credit wisely.
Learn more at http://www.thetruthaboutmortgage.com
2006-11-15 07:04:51 · answer #1 · answered by Anonymous · 0⤊ 0⤋
If you already have a credit card of some type (even if it is a joint account) and you have a job and your own bank account it is just a matter of finding the credit card you would like. Look for a card with no hidden charges. It should be free. The interest you get charged is dependent on your income, your credit report, and your credit risk. Look for the lowest interest rate possible. Shop around. Make sure your credit limit is one you can manage. You can apply either via computer, regular mail or by phone.
2006-11-15 15:08:04 · answer #2 · answered by fancyname 6 · 0⤊ 0⤋
Go online and apply for one. As long as you have decent credit you should have no problems. You said that you have 3 credit cards. Are they all of your parents?. You should stay away from the credit cards and start thinking about moving out and getting an apartment. Being 22, it is time to fly the coupe. Good Luck
2006-11-15 15:03:23 · answer #3 · answered by typhon1991 3 · 0⤊ 0⤋
Do you work? You can apply for cards but most won't approve you unless you either have an income or are a student. If you've had credit for 6 years and a reasonable income, there shouldn't be a problem. Just shop for the best rates and a low or no annual fee. If you get turned down, try a secured card from your bank or credit union.
2006-11-15 15:01:09 · answer #4 · answered by Vadalia 4 · 1⤊ 0⤋
The first and most obvious is to apply for your own credit card...there are many places to do so..online, pick up applications from stores or service stations...always a good place to start...and trust me...once you get one you will be swamped with offers for more....just be careful...you only need one or maximum of two to enjoy things withouit getting puleld under with credit card debts.
2006-11-15 15:08:29 · answer #5 · answered by trivia buff 5 · 0⤊ 0⤋
apply for a card through a financial institution that will give you a chance....credit unions frequently do this, as well as some larger banks (Capital One comes to mind)
stay away from places that require a huge security deposit and/or more than a $25 annual fee (never pay an application fee!)
2006-11-15 15:42:34 · answer #6 · answered by Dwight D J 5 · 0⤊ 0⤋
its always good to start at a store walmart target and apply there. are you working cause it is extremely hard to get a credit card when you are unemployed. and really if the cards you have now are in your parents name it is really not any good for you. its no harm but does not do anything for your credit report.
2006-11-15 15:02:38 · answer #7 · answered by Anonymous · 0⤊ 0⤋
You are an adult and old enough to apply for and receive a credit card under your name only. Just do it. You must receive applications form credit card companies. Choose one, apply, and begin a life of being in debt.
Chow!!
2006-11-15 15:14:06 · answer #8 · answered by No one 7 · 0⤊ 1⤋
Pick one that you like and fill out a form for it. That is all you have to do!
2006-11-15 15:01:00 · answer #9 · answered by Gone fishin' 7 · 0⤊ 0⤋
Just apply for one.
2006-11-15 15:22:03 · answer #10 · answered by Anonymous · 0⤊ 0⤋