What's a good first time credit card?
340944
you can get an awesome card that will help you increase your credit score (guaranteed) or help you establish credit on www.entrustsystems.com/wow
69083
try Orchard Bank (www.orchardbank.com). They have a pretty good card and there's no annual fee. Watch out for cards that say unsecured and then hit you for a 'participation fee' 'set up fee' 'annual fee', etc, to where your first 300.00 is eaten up in fees. \nYou'll probably end up paying a higher interest rate, but make your payments on time and you should be able to qualify for a better card in a year or so.
133397
Try the bank where you have a checking account they will probably give you a credit card. You have to start out  small with like a 200 or 500 dollar limit.
698466
for credit cards with any type of credit none bad or fair try\nhttp://www.wesayes.com
479671
1fbusa.com\nIf you are looking for 1st financial bank, thats the link, its a student credit card for people starting out
811834
I have been very happy with my Discover Card, but I recommend that you also get a second credit card for the rare cases where Discover Card is not accepted.\n\nI highly recommend that if you get a credit card that you pay the full amount when due, so that APR is not a issue. If you can not pay in full, stop using your card, until you can. \n\nI  pay the full amount when due, well almost always <grin>,  there was one Christmas when I when overboard, plus a lot of travel. \n\nAlso make sure it not just an introductory APR.\n\nSome of the features I like (some of these are now dated).\n\nI forgot a payment was due and the day it was due, I call them to explain, they told me that I could go to a local Sears store and pay it there. I think I did this a couple time, not sure if this is still an option.\n\nI like their online site.\n\nI like the occassional 5% back on selected products.
227217
Your best bet is probably to start with a secured line of credit.  These are credit cards, however you have to pay against the line of credit ahead of time.  This will allow the lender to give you a card to use and have the money available if you default.  Use the card wisely AND pay off your charges on time.  It'll go a long way to giving you a good credit history.\n\nAnother choice if you can't afford the upfront payment on the secured line of credit is to get a regular credit card and since you have no credit history be prepared to have an obscene interest rate.  Use that card wisely AND pay it off on time to prevent any interest charges.  After some time, you can apply for another card with a lower interest rate and chop up that higher card.  NOW THIS IS IMPORTANT...pay those cards off immediately.  Do not get trapped with revolving credit.\n\nYou can give yourself a decent credit rating in as little as a year or so as long as you always pay your debts on time.\n\nGood Luck
42721
Getting good credit is not an easy road. Whether you choose to get a Credit Card, A Store Revolving Credit Card, or even purchase a car, you've got to be very very disciplined. \nI suggest never purchasing anything with a credit card that you couldn't with your bank card. At the end of EVERY month, pay off the entire balance.\n\nDo not apply for many credit cards. Find the credit card with the best terms and interest rate, apply once, and watch it carefully. \n\nYou're Credit Score is determined by your credit limit, your credit/debt ratio, length of time of your credit history, payment history, credit inquiries, etc.\n\nI suggest checking your credit report for free. You can check it once per year per reporting agency. I suggest checking one agency every 4 months (=12 months). Checking your own credit report does not hurt your credit score. If you purchase a score with your report, usually they'll give you suggestions to improve your score.
174698
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.
567312
Having a history of good, revolving credit (finger hut, Mervyns, Sears, JC Penney) will help you.  Just use it.  If you buy one thing, once, that won't really help.  I got a card at Mervyns and bought maybe one item every three months.  It helped me.  I had a great credit history but "lack of revolving accounts".
573075
First of all don't go around applying like crazy. That actually decreases your credit score. I particularly got my first credit card with Capital One, but only after an uncle of mine put my as an additional on his American Express. If you have a trustworthy family member or friend, I suggest you to do that first. After about one year, that's when I applied for a Capital One card. They gave me a 14.9% APR and a $250 credit limit (which still after almost 4 years is still the same). I started using it consciously and then they sent me 2 more. I got out of the American Express I had with my uncle and know I am building my credit with this 3 cards. I applied for a car loan and they gave me 9%.  There is a Financial Literacy Program (is free) you can do on www.dmcccorp.org that would teach you a lot and they will even give you a completion certificate that can be added to your comments section on your credit reports. A friend of mine is enrolled in their Debt manegement plan and referred me to this course. Good luck.
989780
www.capitalone.com  Look for the credit card that they offer to people to insufficient credit history.\n\nSometimes discover offers cards a little easier.\n\nOr, you can contact your bank and ask them if they offer a secured credit card.  For this, you will have to deposit money in a CD with the bank, and they will issue a card to you with a limit of that amount.
320793
You will probably want something with the lowest interest rates. Here's a good place to look:\n\nhttp://www.lowcards.com/
939607
The best card really depends on what you want to use the card for. \n\nIf you want a card to park money and earn some interest, look at Netspend.\n\nIf you want a card for direct deposit, look at rushcard or netspend.\n\nIf you are looking for a card as an allowance tool, look at a visa buxx card.\n\nHere are somethings to look out for:\n1. Hidden fees (some cards even charge for customer service)\n2. How long they've been business....the established cards have been around for atleast 2 years\n3. Do you need to do something extra to get the things that you need (some card put restrictions on car rentals for example)\n\nA great source is the prepaid card forum.
137355
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.
118698
Credit cards can be good if you know how to use them. They can also be very bad if you don't. The card card companys are great for giving cards with low credit lines. They do this know full well that you will go over the limit, and it is big time to there advantage. They hit you big with an over the limit charge penelty and big interest like 32%.\n\n The way to use the card is to use it like a checking account. IE if you can't pay at the first of the month in full don't buy it. And never pay the minimum payment if you do it could take you 10 years or longer to pay it off.\n\n Keep in mind it is some of the most exspensive money you can use. \n\nBecareful and enjoy.
94581
The ones that stores offer are relatively easy to get and you can use them to build your credit so you can get a major card later.  However, don't let the balance get out of hand, those cards from stores have stricter penalties and higher fees.