Im 19 and I am in a little of a debt problem. But I want to know what credit card would be the best for me to have?\n\nI need to know which ones and why?
135610
You will probably want something with the lowest interest rates. Here's a good place to look:\n\nhttp://www.lowcards.com/
335239
I got one as my first card to build credit.  I think the limit was something low like 300 or 500.  It's not worth the bother of trying to increase it because they'll barely do it.  They're helpful with college students and such with little or not credit if you have to parents back the card.\n\nThen, I moved on to the more conventional Visa/Mastercard companies, such as the big banks.\n\nI'm not sure they would be that much different than the large banks if you have a high income, but I haven't tried.
5548
I agree with VaTreasures - the best thing you can do when using a credit card is to discipline yourself to pay off your balance on time.  If you get into a habit of not paying on time you start to acrue more and more interest fees (I know all about it).  Paying back on time will also avoid any missed payment penalties.\n\nApply for a credit card with an interest free period, this will cut down on costs.  Getting an interest free period is important.\n\nIf you are unhappy with the idea of running a credit account, then I would recommend a prepaid card or direct debit card.  Prepaid cards can be loaded with funds so you cannot overspend, which keeps your finances in good shape.  Debit cards withdraw funds from your bank account instantly when you make a purchase, again these do not require managing a credit account and help discipline your spending.\n\nMore helpful tips from round the web:
178949
you need to apply for a major credit card-like discover, visa, mc. These are fairly easy to get if you are in school or planning on it. i think discover has a student card. You pretty much need a major card to get other types of credit started, like store cards etc.be careful how you use your credit!
545274
Do you have bad credit or just no credit history?  If it's the former your best bet would be to wait until your 'bad' credit drops off or is 'seasoned.'  If you just have no history - try and apply at Sears or local department stores.  Do NOT run up the cards!  Use them of course, but not more than what you can comfortably pay off in a month.  Once you have been paying on them for 12-24 months you should be able to get a car loan with your local bank.  If that is too long of time frame you may have to see a used car dealer that offers their own financing (BEWARE - the rates will be horrible and payments high for the quality of vehicle you get from such a place).\n\nAnother option would be to see if a friend or relative would be willing to lend you some money though this can cause serious problems if you fail to pay them back.\n\nGood Luck!
419100
do not start your adult life by having too many credit cards\n\nThis can lead you to ruin later on.\n\nBe realistics, just get one and work hard.\n\nDo not buy something that you cannot afford, just beacsue you have a credit card
472758
why don't you share an apartment in the beginning[share the costs]get a job first!!!a credit card can get you into debt!!you have to pay monthly payments and a credit card only gives you so much money!!
440371
Hmmm interesting, well i dont know much about credit cards. I know that this has done me and my friend good in the past in bad times. Give this a look, tell us what you think.\nhttp://shurl.org/AWxZX
443523
I think it's good that you don't have a credit card.  I don't have one either.  It helps you to avoid credit-card debt if you don't have one.\n\nHowever, in the future if you want to take out a loan for, say, a house, you might want to have some evidence that you are a good credit risk.  You can establish credit with your cell-phone bill, I believe, but a credit card is another good way.  If you want to do this, get a card that doesn't charge interest for a period of time, use the card for something simple and pay it off every month.  That way you will be helping your credit but you won't be incurring credit-card debt.\n\nThere are many, many credit cards that would be happy to issue you one, even though you are a college student.  Perhaps you should start by talking to your financial institution.
304296
I had good luck with Capital One. They didn't give me a large credit line, but their interest rate is good. Another thing you might consider is just paying off the balance every month so that the interest rate isn't a concern to you.
293523
What to consider ... DON'T DO IT!  You don't need a credit card.  It will only get you in trouble by allowing you to spend more than you make.  If you can't pay for it with cash now, how do you plan to pay for it when the bill comes in?  And if you don't pay the balance in full, they'll charge you interest, so the item you bought just cost you even more!  In fact, if you ONLY pay the minimum payment, it can take 40 YEARS to pay it off!\n\nOpen a checking account (assuming you have a job) and get a check card.  It's like a credit card (has the Visa or MC logo), but it takes the money straight out of your account so you CAN'T overspend.\n\nIf you only use cash to buy stuff and keep building your savings, you'll be SOOOOO much better off than 99% of your peers with credit card and auto loan debt.  Use cash for everything (except a house).  Don't even buy a car on credit - they depreciate too quickly.\n\nIf I had heeded this kind of advice when I was younger, I would have avoided SOOOO much trouble and wasted money in interest and fees.  As it is, I'm now debt-free (except the house) and LOVE that my money is my money, not some credit card company's or the banks'.\n\nDon't worry about your credit score - worry about your savings balance.  If you have a large amount in savings ($10,000-$20,000) when you go to get a home loan, the lender can SEE that you manage your money well, regardless of your credit score.
514743
Dustin, that would depend on your credit & score. If you have lates with CrapitalONE then your score might be low..I would suggest Orchard, Or Aspire for low or bad credit
54361
Don't apply for a student CC!\n\nAs long as you don't carry a balance there are MUCH better cards.... go to www.citicards.com\nTheir platinum card is excellent, gives you cash back.  Can't hurt to apply.
59616
I got my first credit card when I was about 20. I had no credit history and not much income, but i was able to get a card with a credit limit of  maybe $250 from a department store.
382319
There are better cash back cards than the Discover Platinum and Discover Gas cards.  I used to carry Discover until I found much better rewards cards.  I'll get to those in a minute.  First, answers to your questions:\n\nDiscover Gas is the better deal because it offers 5% back on gas and vehicle maintenance up to $1200 per year.\n\nDiscover Platinum also pays cash back on gas, but at a lower percentage rate:  .25% for the first $1500 in spending, .5% for the next $1500 in spending, and 1% back on spending after $3000 (year-to-date).\n\nWith two cycle average you still get billed every month, but if you're not paying off your balance every month, then you're being charged interest on the average balance you had over the previous two months (rather than the previous one month as is typical with most credit cards).\n\nSince rewards cards pay different percentages in different spending categories, have different tier structures, etc., the *best* card for you will depend on your spending profile (how much you spend in various categories each month).\n\nAn easy way to pick the best card for you is to use the calculator tool at http://www.creditcardtuneup.com/ to estimate how much each of the leading rewards cards will pay you.\n\nIf you're interested in using two cards to earn more cash back than you could with just one card, the tool will also calculate the best combinations of cards for your spending.
268738
I would pay just a little more than the required payment.  If you HAVE to pay $200, pay $250 or maybe even $300. If you just keep paying the minimum payment, the interest will eat you alive.  You will start with a $1,000 debt, and by the end, you will have paid $10,000. Pay those off and get a loan at a real bank to build your credit.  Stay away from credit cards as much as possible.  For online purchases, I use pre-paid credit.  Much much cheaper.
277382
You apply for a credit card under your name and the joint person.  This will give you credit so long as you pay the bill on time.  Read the fine print because alot of credit cards are only 21 days to pay.  If you default the burden falls on the joint person, which won't be so good.  If you want credit your better off buying a car or taking out a loan and paying it back.  Credit cards are a joke and make it to easy to get into debt.  Also bankrupt laws have changed so it is not so easy to get them erased.