All you ever had is a debit card?
I know this isn't what you will be wanting to hear but -
If you have never had a loan or credit card in the past you will not be approved for a the types of major credit cards you are talking about (Blue Cash).
You would do nothing but create inquiries and lowering your credit score if you start applying for credit that you won't qualify for. (to many inquiries and you would be denied for that reason also)
A debit card is not reported on credit reports so it does not build credit history with any creditor except possibly the bank it's issued from.
If you are a college student, you may have a good chance of being approved for a student credit card. Amex, Chase, Discover are all prime creditors and have excellent student cards.
If you are not a student you might consider a secured card.
BoA has a pretty decent secured card that will generally unsecure around 9 months or so.
Credit unions also have good secured cards.
After those cards report for 4-6 months, you might apply for a card with the store you purchase your clothes at. Store cards do have high interest rates so you should make it a habit to only purchase what you know you can pay in full when you receive the statement.
Even though store cards have high interest, they are often offer discounts, shopping rewards, etc., that is only offered to the store card holder.
If you apply online, NEVER apply for a credit card from "any" site other than the card creditors own site !!!
2007-12-03 23:07:05
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answer #1
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answered by echo 7
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AmEx Blue Cash is a good card, but perhaps not the best for a spending profile that's heavy in clothing spending, because it's tiered and you only get to the 1.5% reward tier on clothing after you've spent $6500 year-to-date on the card. The Fidelity Signature Rewards Visa is not tiered and will pay you 1.5% from the first dollar. If you don't mind using your rewards on airline tickets that cost $600+ or nearly $350, then you can earn nearly 2% on all of your spending with the Capital One No Hassle Miles Ultra for Professionals card.
To find the rewards card that will pay you the most for your overall spending profile, you can use this rewards calculator:
http://www.creditcardtuneup.com/
Note that the calculator converts all reward currencies (frequent flier miles, points, cash back) to dollars for an apples-to-apples comparison.
2007-12-04 11:53:47
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answer #2
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answered by moviegoer_j 3
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American Express
2007-12-03 13:51:59
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answer #3
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answered by amglo1 4
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You can compare the cream of the crop credit cards at http://www.cardrewards.net where you can compare cards by 0% Intro Apr's, no annual fees, and balance transfer information. Citibank, Chase, American Express, and Discover are the cream of the crop.
2007-12-03 16:01:55
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answer #4
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answered by Anonymous
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Here check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates and rewards.
2007-12-04 00:14:06
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answer #5
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answered by GTW 3
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The Blue Cash Card from American Express is an ideal cash back credit card for someone with good or excellent credit. You can qualify for very low rates and earn unlimited cash back.
The offer is carefully worded "up to 5% cash back". You can only earn 5% cash back at gas stations, super markets and drug stores. On other purchaes you can only earn up to 1% cash back. There is also limited cash back for your first $6500 in annual purchases. For this introductory period, you earn 1.5% cash back at gas stations, drug stores and super markets. Other purchases earn 0.5% cash back for the first $6500 in annual purchases.
Apply online at: http://www.credit-card-gallery.com/American_Express.html
2007-12-04 21:20:48
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answer #6
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answered by kassy kemp 2
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In our courtroom gadget, lack of understanding of the regulation is not any excuse. procuring a house is user-friendly arithmetic to no remember in case you could cope with to pay for it or not. If I make $2,000 a week and somebody tells me that i can cope with to pay for a $4,000 a month own loan, how stupid might I must be to have faith them? Banks can cope with to pay for to non-public loan money to those who will probable default because of the fact they make a lot on the pastime of people who do pay off their loans. concentrated on low-earnings neighborhoods for mortgages replaced into unethical yet not a offender offense. however the foremost concern is not any remember if we ought to constantly proceed to supply extra opportunities to pay off. in case you will not be able to cope with to pay for the living house, supplying you with $a million,000 won't help. We only get extra into debt.
2016-12-10 11:49:44
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answer #7
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answered by ? 4
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you might want to go here to compare them, pick one that is right for u
http://www.bestcreditrates.net
2007-12-03 19:19:18
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answer #8
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answered by Anonymous
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