I never had a credit card.I do alot of online shoping and pay tv,phone,and Intrenet bills with my debit card.I do fly alot or drive.Is there a card for my uses?I want a card to start gaining credit score.HELP please because don't want the card to cost me alot.i live in zip code 11692 if u need to see with banks r near by.thank u
2007-07-08 17:40:07 · 12 answers · asked by johanie j 1 in Business & Finance ➔ Credit
you might want to go here to compare them http://www.bestcreditrates.net
2007-07-08 17:43:52 · answer #1 · answered by Anonymous · 0⤊ 1⤋
You should get a card with a low credit limit like $300-$500 to start off with. That way it will be hard to run the bill up too high & go into debt. My 1st credit card only had a $300 limit so it would have been very hard for me to go into debt with such a low credit limit. Also look for low interest rates & remember NEVER charge anything you can afford to pay back!!!
2007-07-08 17:55:12 · answer #2 · answered by candigal 3 · 0⤊ 0⤋
Find a card with a low annual fee unless you plan on using it a lot!
Earning points is great if the benifits outweigh the cost to you.
Also, read the fine print. Often low introductory rates rise after a few months.
Whatever you do, don't get pressured into one, find what will suit you best.
I found the website below, seems to have a lot you can apply for online.
2007-07-08 17:45:47 · answer #3 · answered by Anonymous · 0⤊ 0⤋
I would suggest stick with your debit card for most of your purchases, but if you are simply doing it to build your credit scores, I would recommend to get a credit card with a low limit and a low interest rate. Sometimes the institution that you bank with will have a good card to offer to you. But please avoid getting trapped in huge credit card debt as 85% of people typically do. It has ruined most of Americans credit and keeps people from having the lives they could have without that weight... Sorry for the soapbox...Good luck...
2007-07-08 18:06:23 · answer #4 · answered by D 2 · 0⤊ 0⤋
You need to get no annual fee credit card.
No Annual Fee Credit Cards from American Express
Platinum Business Cash Rebate Card from OPEN(SM) The Small Business Team gives No annual fee,
The IN:NYC® Card from American Express also comes with No annual fee,
Blue from American Express® has No Annual Fee with Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance -- especially good if you want to transfer your balances. Apply online at:http://www.credit-card-gallery.com/American_Express.html
2007-07-09 00:17:35 · answer #5 · answered by Anonymous · 0⤊ 1⤋
I know of a website that has the card you need, in fact several to choose from. Go to www.1-800BadCredit.com and take a look at their selection. Check out their other features also. They have been a big help to me. Good Luck
2007-07-09 10:32:12 · answer #6 · answered by Dewey K 2 · 0⤊ 0⤋
Go here it will help you find the right credit card
http://www.ccvault.com/select/step1.php
If you are looking for a good credit card company I recommend Chase. You can earn up to 3% back with their freedom cash visa.
2007-07-09 08:17:34 · answer #7 · answered by Helper 2 · 0⤊ 0⤋
U should try either Chase.com or Citibank.com, coz they have cash back program for their credit card and they also have credit card for first time user which is u dont need to have credit history to apply their credit card, good luck
2007-07-08 18:30:18 · answer #8 · answered by Oracle 3 · 0⤊ 0⤋
Try to get some type of credit cards with 0% intro apr rate.
There are some good cards of discovery .
To know more you can visit
http://www.creditcardbiz.blogspot.com
2007-07-08 22:56:06 · answer #9 · answered by Pamella A 2 · 0⤊ 1⤋
Orchard bank or chase
2007-07-09 04:51:40 · answer #10 · answered by shorty21 5 · 0⤊ 0⤋