i got a debit card when i was 15 since i was a college student.  now that i will be moving out soon, i want to get a credit card to build up my credit.  i know that most credit card companies require you to be at least 18, but since i was able to get a debit card, i figured i could get a credit card as well.
125952
When my son went to college, I got him a Capital One credit card.  They have ones especially for youth.  As a parent though, I had to be a cosigner on it.  I was also allowed to limit the amount of available credit he had on the card.
118150
You must be 18 years old to get a credit card, unless you have someone co-sign it.\n\nSince one of the major parts of your credit score involves how long you have had credit, many parents are starting to get very young children credit cards.  They will occasionally put a charge on it, then pay it off.  By the time the kid is old enough to get a car, they have a decent credit rating.\n\nSounds funny, but when I bought my first car they almost turned me down because I had no credit history!  I had a very good job at the time, but was still living with my parents.  Then I went to get a home, same problem.  The mortgage officer decided to just let me have it based on my income.  I had no credit history to work off of! \n\nSo get your new-born signed up!
399696
Yes I have numerous.\n\nI have a friend who is in his 40's and he has never had a credit card.  NO need...  Life is not about credit cards !!  If you have no need for one then why bother having one.\n\nCertainly do not listen to anyone who says you need a credit card to have a credit score !!  You can have a credit score simply by doing business with a bank and paying your bills on time!!\n\nGood luck and no worries !!\n\n : )
395174
you can get a credit card.. BUT your parents or any guardian over 18 will get the MASTER CREDIT CARD and you will be able to use the SUPPLEMENTARY CREDIT CARD... \n\none bank had initiated the scheme of credit card for juniors (with assurance from an adult) although i cant really remember the name of the bank.. maybe it was standard chartered or alfalah..\n\nbut YES you can get a credit card.. not exactly in ur name.. not exactly your PERSONAL card but a supplementary card that you can use wheneva u want wid ur sign
211968
You've been denied because you don't know how to handle money.  You don't need a credit card, you need to spend money MORE wisely, not borrow more money.\n\nWhat's in my wallet?  CASH!
69277
None of them.\n\nYou do not need a credit card for ANY reason.  Not even for a home loan.  Home loans can be underwritten.  See a good mortgage broker and they can do it without a credit rating.\n\nIf your heart is set on obtaining one, become a member of a local credit union.  They tend to have the best, basic forms of credit cards.  If you go this route, DO NOT set your credit limit above $500.  Why?  Temptation, procrastination, etc.  Things happen.  \n\n\nI recommend using CASH.  Debit Cards too.  There is virtually NOTHING that you can buy without a DEBIT CARD.  The protections that consumers have with CREDIT CARDS also applies to DEBIT CARDS.  It's Federal law.\n\nI have 2 credit cards.  I don't use them.  I am letting one expire on purpose... lack of use.\n\nI will keep one because I travel extensively, and since I wear out my debit card quite regularly, I do need one.  \n\nI am debt-free, except for my house and my wife's car.  It's a great way to live and be wealthy.
219710
I have one and I dont recall on how long it took to get one (you could probably call) but Capital one is the only credit card company Ive found for people with so-so credit that actually isnt so bad...  word of advice... if you got a card with an annual fee... a week or 2 before the annual fee is to be charged call them and most times they will cut it in half or remove it
213211
some cash and change, my school id and drivers license, my voter's registration card, and some other stuff that i can't think of at the moment, but...i don't have any credit cards. i'm 22, and i don't want one and i don't ever plan on getting one. they cause nothing but debt and i don't want to go through my whole life with credit card bills, and i just really do not want them. besides...i already have a school loan, and by the time i finish college in a few years, i'll have even more money racked up on it than i do now, and i don't want to have to add credit card debt to it
656871
To get a credit card, it takes more than just a good score.\n\nPull your credit report to make sure that it is reporting correctly and dispute items that are not.\n\nAlthough, at 650, that is pretty decent to get a good credit card - depending on which bureau it is under. Go to www.whogavemecredit.com and search that score to get an idea of what others have gotten with the same score.\n\nIf you have no credit history, that can be a problem - start out with getting a secured card. Usually after 6 months or so a bank will turn it into a real credit card with a limit. Don't take out loans to raise your score. Credit is supposed to be a tool, not put you into debt!\n\nCheck out creditnet.com and creditboards.com to see if theres info out there that can help you get started!\n\nGood luck!
92579
try a department store card, or try something like rentway, with a department store credit card you can purchase something small every month and pay the full balance everymonth. by the time 3 months or so passes, once your credit is ran for a "credit Card" you should have an excellent paying history.  my younger sister was having a hard time too, she opened up a JC Penny card account and bought small things every month and paid the balance in full everymonth. 5 months later she got a mastercard.
374737
Experts say it's better to use a credit over a debit card because if your credit card were to get stolen you would report it missing and you wouldn't be charged for what ever the other person used for it. But if someone got your pin number you wouldn't able to prove that you didn't make those charges.
6513
A debit card can be used like a credit card if you have one.  Have you tried shopping on EBAY?  Most people on there let you use money orders or personal checks.  And believe me, you can find anything for sale!  New as well as used.
614691
Store credit cards have higher interest rates.\nThey approve more applicants more likely than banks, as they take on the risk of people with bad / poor credit, as well as possible delinquencies, but make people pay through the nose in interest to make more money.\n\nYou're better off getting a bank's (or credit union's) credit card as opposed to a store's.  Store's will generally give you certain discounts or promotions, but unless you pay off the full balance monthly, you're only hurting yourself.
322981
The reasons to have good credit are simple. If can affect you in literally hundreds of ways.\n\nGood credit \n\n- Lower interest rates for loans.  Home, Car, etc.\n- Qualify to by a home (FICO score)\n- Employers check credit ratings\n- Housing (Apartments) managers check credit before renting\n- Setting up utility payments (no deposits)\n- School loan rates can depend on your credit\n- It can take YEARS to repair a bad credit history and in the meantime you can be denied credit or end up paying MUCH higher interest rates because of poor credit.\n\nHow do you build good credit?\n\n- In many ways it is advantageous to have no (negative or positive) credit, because you can more quickly obtain new credit.  For example, you can immediately enter most department stores and immediately open an account.\n\nDepartment store cards can then lead to major credit cards, such as MasterCard, Visa, Discover or American Express.  Do not go wild with these cards, however.  Do not keep a balance past the grace period, so remember to pay off your balance each month.  Remember that your goal is to establish a credit history and a strong credit grade.  Maintaining a balance is actually a negative, albeit a minor drag on your grade.\n\nYou should try to limit yourself by maintaining only two department store cards and perhaps another two credit cards.  Do not succumb to the credit card temptation. \n\nSecured credit cards are a great way to establish a credit line whether you have no credit or damaged credit.  Secured credit cards are regularly issued MasterCard or Visa credit cards, which are secured by a deposit.\n\nTo establish a secured credit account, for example, you would set up a deposit account with the issuing bank.  The minimum could be as low as $100, depending on the bank.\n\nYou will then be issued a credit card, with a credit line normally equal to your deposit.  In most cases, you will receive interest on the deposit account.  However, if you ever default on your credit card, the bank can use your deposit to cover their losses.\n\nIt is also a good incentive to control your credit usage and minimize your balance.\n\nBut above all, DO NOT OVEREXTEND YOURSELF, PAY YOUR BILLS ON TIME AND AS CLOSE TO IN-FULL AS POSSIBLE. Avoid splurging and using the card when you can't afford to.
347197
People stating it's illegal to have a credit card under the age of 18 are either fully mistaken, or quoting what they believe to be their state laws.  In most cases, no problem, especially with a co-signer.\n\nYour agreement with the specific credit card company determines extra fees, finance charges, annual fees, late fees, and account protection.  It varies from credit card company to credit card company.\n\nTypically you are sent a bill in the mail once a month, and most people pay it by sending in a check by the due date on the bill.
413234
As long as you are old enough to legally sign a contract (usually 18), you can get a credit card.  That being said - be VERY VERY VERY careful with it, and DON'T get one if you don't have the means to pay for what you get.  Lousy credit can ruin your ability to do things like get a house, a car, pay for your kids' tuition - it's something that can stick with you for MANY years.
481919
You dont need a credit card but will have to post a bank account. This is for Ebay to take their funds and costs at a predesignated time. I would recommend a credit card but if you need to do a bank account then open a new account just for ebay. This way if your account is comprimised, you will not be completely out.