i have no credit history whatso ever and i just started my job.
2007-04-29 10:36:18 · 8 answers · asked by meshop4me 1 in Business & Finance ➔ Credit
try applying for Chase, GM First Premier, Orchard Banks.
2007-04-29 20:19:00 · answer #1 · answered by KitKat 6 · 0⤊ 0⤋
Most important thing to know about credit cards is as soon as you charge something, take out your checking account book, and deduct the credit card charge from your checking account. Too many people forget what they have charged and then are surprised by the amount they owe. Also pay your bill as soon as you get it in the mail. And, have only one credit card.
2007-04-29 19:11:09 · answer #2 · answered by gracefull 5 · 0⤊ 0⤋
start with store cards - like JcPenny - they will normally give anyone a card - then use it and pay it in full for 2-3 months - that will give you credit so you can get a regular card. also if your a student try student cards - you can also try getting one through your bank that you bank at - another great thing is take out a small signature loan from your bank (like $200-500) then pay it back after a month - make sure there are no early payment fees for doing this one
2007-04-29 17:41:37 · answer #3 · answered by Shopaholic Chick 6 · 0⤊ 1⤋
At 18 making $32,000, you don't need credit. Live on a reasonable budget on you can save over $1000, month. At that rate you can own your car and your house debt free by age 30. With no debt payments, you can buy EVERYTHING with CASH. You'll have higher standard of living than I do and retire a millionaire.
2007-04-29 19:11:10 · answer #4 · answered by STEVEN F 7 · 0⤊ 1⤋
First you have to establish a credit rating, to do this you need credit PAI IN THE BUTT!
Try going to a large Dept. store or electronics place and buy something on credit. As you pay off this you add to your credit history. But if you don't pay you really screw up your credit rating.
2007-04-29 17:41:45 · answer #5 · answered by Willy 5 · 0⤊ 1⤋
You want to get a cash secured credit card, first. This will help build your credit and they will give it to you because there is no risk for them. Most banks offer it, these days.
2007-04-29 17:42:41 · answer #6 · answered by treasureyourself 4 · 0⤊ 1⤋
Just apply and you'll get one. Then be smart about charging and paying off don't charge to the max then only pay the min..
2007-04-29 17:38:59 · answer #7 · answered by rottie_mama1969 3 · 1⤊ 1⤋
get a secured credit card.....thats where you give them money first and then borrow the money you gave them....sucks at first but builds credit...or get a co signer like a parent
2007-04-29 17:38:31 · answer #8 · answered by jameslwright2 2 · 1⤊ 1⤋