I saw on the front home page an advertistment on the best deal you can get on a credit card?

Question

I saw on the front home page an advertistment on the best deal you can get (credit card) with less than perfect credit yesterday (12/04/06).

Answer 1

And I have some land to sell to you in Florida with all the water rights you want.

Answer 2

I'm not quite sure what your question really is, but Wells Fargo will give you a credit card if you are a student, with zero interest for the first year.
You need to be careful when reading the ads for credit cards on the internet and through the mail. The very fine print will usually say that there is a "set up fee", an "origination fee" etc. which can cost you up to $300- just to get a card that may only give you $300- credit. It will usually have up to 24% interest, which means for every $100- you charge, you could be paying an additional $24-.
Start with your bank or credit union. They don't charge set up or origination fees.
Good luck, and Happy Holidays.

Answer 3

As well as Surfer_gr's answer, I would just like to ad that I would take into consideration where I saw the add as well. Alot of the on-line adds that you see these days have little or nothing to do with the perspective product. By which I mean, I for example, could find an " affiliate " web site, and post an endless amount of product or service ads, to an endless amount of sites and blogs for little or no cost, all in the hopes that someone like you will utilize or buy what I'm selling, and each time someone does, I get anywhere from 15-21 cents from a re-seller. Doesn't sound like alot, but if you take 1000 products on 100,000,000 sites, you can make a decent buck.

Answer 4

My first suggestion is to find out why your credit is less than perfect... is it because of errors on your credit report? Get copies (free) of your credit reports from Transunion, Experian and Equifax. Review them. Challenge errors. Once you see what the creditors are seeing about yourself, look for the best deals on credit cards from an impartial comparison site like bankrate.com. You may have a shot with Orchard Bank or Capital One. What do you have to lose? You won't get a million dollar credit limit but until you can handle a small line of credit, you certainly cannot handle a huge limit. It takes time to build credit. Knowledge is power.

Answer 5

There is no such thing as the 'best deal'. different cards will charge you different rates for different things so it all depends what purpose you are using the card. are you carrying a balance on the card for a long term or short term? Will you be using cash advances? Cards are tailored to suit your needs, once you know what your needs are, find the card that gives you the most while taking the least.