Credit Card. I am only 19 and need one. Who's a good company to apply at?

Question

I had a credit card with bank of america, but transferred banks, where is a better / good company to apply at?

Answer 1

Even if you switch banks, you should be able to keep your BoA credit card... why do you *need* a credit card at 19? Are you in college? If so, try to get a student card with a low credit limit.

Or do you mean a check/debit card with a credit logo?

...I'd suggest finding a credit union and getting a card through them.


I have a credit card, but I know how to use it responsibly and pay it off in full every month and don't use it as a tool to live paycheck to paycheck... If you pay all but 1 penny of your bill, you have to pay interest on the full balance because it's calculated by the "average daily balance" AND you lose your grace period. AVOID DOUBLE-CYCLING CARDS and try not to get a huge credit limit. Learn about how credit cards and credit scores work... I've had some friends who've ended up with thousands of dollars in credit card debt before age 21 and I'm sorry that I wasn't there to help explain how things worked before it was "too late."

Don't ruin your credit score... seriously! There are too many things (even auto insurance!) that are based on your FICO score and the worse it is, the more it's going to cost you.

Answer 2

If you think there are an overwhelming number of options available for credit cards, you are right! There is a credit card for almost everyone today. Finding one that suits your lifestyle is key to making the most of your credit card. There are a number of points to consider before you apply.

First, check out the annual percentage rate (APR). This measures the cost of credit and is written as a yearly interest rate. If you plan to carry a balance from month to month, you may want to get a card with a low interest rate. Some offer low introductory rates. Be sure to check what the interest rate will be after this initial period. You'll want to have an APR that will work well for you in the long term.

Next, look into the attached fees. Some cards have an annual fee. Many include other finance charges. Read the fine print to help you understand what is all involved with the card. These fees may or may not weigh into your decision, but it is important to understand them.
Readmore about credit card at:http://www.card-gallery.com/article/144,Apply_for_a_Credit_Card_Today and get a credit card from any company thats you like.

Answer 3

I am sure that everyone answering this is gonna say the same thing. "our parents told us not to do it, yet we did." It is so true. At the age of 19, you do not need a credit card. If you need a card with a Visa card logo, open a checking account and use your atm card. That way, you will only be able to spend what you have in your account. Please don't believe that you can buy now and pay later. Use a credit card for a 20 dollar purchase today and you will be paying that 20 dollars off for 2 years at the cost of 40 oppose to 20. If you simply need a card to make reservations, pay bills or purchase online-please go to your local CVS or grocery store and purchase a pre paid credit card. There are small fees to add money to your balance, but in the long run what is more important? Paying 6 dollars to add a balance, or paying 6 dollars to protect you from unlimited balances and bad credit in thE future. Be wise because it is all about great credit now. Using that card to buy a 60 pair of sneakers will keep you from buying your dream home or car in the near future. Good luck!

Answer 4

You have several options. Since you've already had a credit card before and it's likely you've built up some credit history, you might try applying for a 'standard' low APR credit card. I would recommend the Chase Platinum card, since they seem to have the 'loosest' approval guidelines. You can find it (and other great offers) here:

http://www.asapcreditcard.com/instant-approval.html

Are you a student? You might want to consider a 'student credit card' since they're designed for students with little or no income. You'll probably get a higher APR than the offers above, but they're more likely to approve someone with less credit history and a lower income. You can find them here:

http://www.asapcreditcard.com/student-cards.html

If all else fails, there are many credit cards designed for people with poor / no credit. These offers tend to have higher interest rates and additional fees, but they'll help you build or improve your credit history if you haven't established enough of a track record. These offers are here:

http://www.asapcreditcard.com/unsecured-offers.html

MY SUGGESTION: If you had your other credit card for at least a year and always paid on-time-- go for the Chase Platinum (or other 'standard' credit card). Otherwise, you might want to consider one of the other options.

Hope this helps. GOOD LUCK!

Answer 5

Do NOT get a credit card. Get an ATM/Debit card and use it instead. You do not want to get into credit card debt. The banks are all about screwing with people now so to save yourself, just get a debit card and avoid credit cards at all costs. Debit cards can be used the same way you would a credit card.

Answer 6

Anyone is better than BofA except for CitiBank. The are the worst.
Guess what...Every since the ATM cards can be used as a Visa, you don't NEED a credit card anymore.
Something my dad tried to teach me early but I didn't listen...
If you don't have the money save up now to pay for something, what makes you think you'll have the money to make the payments AND pay the fees.
IT'S A HORRIBLE TRAP....Please try to stay away from the credit cards. IF you really HAVE to get one...Just get ONE and don't get department store cards.

Answer 7

"Reward credit cards reward you when you spend on the credit card. Normally, you can collect rewards through 3 ways.

* It involves earning cash back on the card, it depends on the amount you spend.
* Next one involves giving points to the customers. They can be redeemed for gifts like cosmetics, shoes, water heater, mobiles and other goodies which the credit card company offers.
* The last method of reward is providing airmiles. Airmiles are highly popular reward, as many customers like to redeem them for free flights or flight upgrades. Whatever type of reward credit card you opt for, carefully note the amount or rate at which rewards will accrue and also read carefully other terms and conditions.
"

Answer 8

Try citibank I had one of their cards years ago it was a good company but stay away from annual fee's, etc. there are cards out there without any fee's attached.

Answer 9

Capital One.

Answer 10

They are all crooks. Pay cash.