Im a 19yr old student, I work but I dont get more than $1500(can) a month. i dont pay for anything or I dont have any debt... I just want a credit card because in the future I want to buy a house, a car etc and Ive heard if you want to buy one of those you need a good credit history. I wanna start now. Am I qualified? Also Im just gunna be using it to buy stuffs liek on eBay, rent a fancy car or something lol but then ofcourse I will pay them right away..
2007-01-07 17:22:25 · 11 answers · asked by Help me 3 in Business & Finance ➔ Credit
yes you can get a credit card becouse
If you are under 18, it is a criminal offence for anyone to send you material inviting you to borrow money or obtain goods or services on credit or hire purchase. However, if you are over 14 but under 18, you can enter into a credit or hire purchase agreement if an adult acts as your guarantor.
2007-01-09 18:36:21 · answer #1 · answered by brady ewart 3 · 0⤊ 0⤋
With no previous credit history, you will have best luck applying for credit cards specifically aimed at college students. Before applying and signing up, research the bank/issuer to make sure they are reputable and responsible. Read terms carefully and pay attention to annual fees. You seem to have your head on straight regarding credit (building a credit history and paying your full balance off each month--do not live beyond your means and rack up consumer debt) so go to it!
2007-01-08 01:38:52 · answer #2 · answered by Anonymous · 0⤊ 0⤋
When you turned 18, you became "fair game" for the credit card sharks. Before you sign anything, join a credit union that has a credit card, shop for the best interest rates, negotiate with your credit union and don't use it unless you can pay it off every month. That will establish a good credit record and you'll have it for EMERGENCIES.
2007-01-08 01:27:39 · answer #3 · answered by coka-ko-lah 3 · 0⤊ 0⤋
Sounds like a good idea to start getting credit now.
As long as you're earning wages, that's enough for the credit card company to know you have a means of paying them back. Go to your bank. They have flyers offering their credit cards. Get a simple one that charges no yearly fee. Be sure to pay off the balance completely each month and you won't have to pay any interest! Good luck!
2007-01-08 01:25:26 · answer #4 · answered by catwomanmeeeeow 6 · 1⤊ 0⤋
if you got salary every week then you should, but it depends upon you if you want ti avail a credit card. those persons who had a great job and can gain more money should have the rights to avail a credit card, so do i already answer your question?
2007-01-08 01:28:00 · answer #5 · answered by beige 1 · 0⤊ 0⤋
When you apply put in other income (ie babysitting etc) they dont check this out. The more available income you have the more likely they will give you a card.
2007-01-08 01:24:27 · answer #6 · answered by surfer_grl_ca 4 · 1⤊ 0⤋
get a secured card at first. go to a search engine and type in secured credit card.
2007-01-08 08:33:39 · answer #7 · answered by starla 3 · 0⤊ 0⤋
if you have good prove that you are not paying anything and that you will pay your card every month the i don't think you will have a problem
2007-01-08 01:34:41 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Yes, it will help with your credit as long as you use it wisely.
2007-01-08 01:24:38 · answer #9 · answered by Metal 4 · 1⤊ 0⤋
If you have no credit, then you will not be able to get credit card. Go to your local bank, and get their credit card.
-------------------------------
http://www.bestcreditrates.net
2007-01-08 03:00:41 · answer #10 · answered by Anonymous · 0⤊ 0⤋