im 18 and looking for my first credit card im not a big spender and i do have a job, i know i will be able to pay the bills, im looking for something that doesnt cost an arm and a leg for the membership fees, and has low apr?
2007-01-19 19:47:05 · 6 answers · asked by melinda_trvn 2 in Business & Finance ➔ Credit
im 18 and got my 1st credit card three months ago its capital one and i love it....idk if 15% is good but it has been working for me...plus they have all kinds of benifits and identity theft protection....along with super cute card designs(mine has a lady bug on it)...they help me when i need to and since im a student i got tons of extra stuff like free merch for my college and loans if i need them...its a good deal.
2007-01-19 19:55:37 · answer #1 · answered by dana <3 2 · 0⤊ 0⤋
Some credit card companies charge fees for having their card. I would stay completely away from them. Most are for commercial accounts anyway. Watch for special deals where you can get better interest rates and no charge for payoff each month on time. Some companies charge a service charge even when you pay them off on time. Ask questions and don't be intimidated. It's you money your playing with and some will act as though you owe them something for the right to have their card. You don't owe any of them anything as long as you pay on time. Don't use their monthly pay system if possible. Pay each months charges off as soon as you get the bills if at all possible. Otherwise you can be paying up to 30% interest and handling charges.
2007-01-20 00:14:42 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Best bank to get your first credit card from is the same as the best bank for your 2nd, 3rd, and 4th credit cards from. The one with the best deal based on your circumstances! This may even change after your card expires.
2007-01-19 19:51:23 · answer #3 · answered by The Macca 1 · 0⤊ 0⤋
never get a card with a annual fee. with that said, chase gave me my first card, at 10% but the credit line was only 500$ (they raised it later)
2007-01-19 21:04:05 · answer #4 · answered by Jen 5 · 0⤊ 0⤋
Chase.... they have many credit card options, rewards, low rates, etc.
2007-01-19 19:51:09 · answer #5 · answered by fefe917 3 · 0⤊ 0⤋
visa, get a free visa
2007-01-19 19:49:33 · answer #6 · answered by MiKe Drazen 4 · 0⤊ 0⤋