What is the best credit card for me, I have very little credit?
336408
This is one of the most common questions on this board.\n\nHow do I build/establish credit?\n\nFirst off you need to be educated about how credit works in the U.S.  Every credit decision a lender makes is driven by FICO credit scores. You can go to www.myfico.com and look in the Credit Education section to learn how FICO credit scores are determined. To build your credit you have to place positive credit items on your file that will report positively for 6-12 months minimum. If you want your credit to be in the Excellent category (FICO score 720+) then your goal should be to have 3-6 revolving accounts(dept. store, gas cards, Visa. etc.) and 1-2 installment loans(car, mortgage) that are reporting positively.\n\nI would start out with a Bank of America or Wells Fargo secured Visa card. Both banks have great programs with low annual fees, low starting amounts ($300.00) and no junk fees. After 12 months of positive on time payments you will graduate to an unsecured status. Then you will probably be approved for other cards such as dept. store and gas cards.\n\nP.S. Stay away from crap like entrustsystems.com. It is a major ripoff and DOES NOT HELP your credit. Also, most "pre paid" debit cards are a rip off for the consumer. Just get a checking account with a VISA debit card. \nGood Luck
1005953
If you are looking for a credit card with low fees  might i suggest that if you have a bank account that maybe you should try there first if that doesn't work i would  think Capital one has a decent card but they do have a membership fee  i think \nBest of luck on your search
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.
698466
for credit cards with any type of credit none bad or fair try\nhttp://www.wesayes.com
825829
My first secure card was with Bank of America. But you may check this link\nhttp://www.badcreditoffers.com/creditcards/
150699
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.
1096802
it depends on your credit and sometimes your purchases. is there a particular place you enjoy shopping. take that into consideration. also ask your bank manager to help you. they are the professionals
443901
I am here to help.  First Premier Bank issues a low limit credit card (appx $150-$300) to people trying to rebuild their credit.  Now you are going to have to pay your min. monthly payments ON TIME, but after 6 months they will raise your available limit.  It's a good program if your SERIOUS about rebuilding your credit.  I've been there so I understand.
654212
If you have bad or poor credits and want to re-establish your credit, these are the special cards for you such as USA Gold Shopping Card, USA Gold Optimum, or Orchard Bank MasterCard. Since you credit history is bad or poor, you will be only given a small credit line. And you might have to pay a higher interest rate than that of regular credit cards. But if you are determined to get your credit back to good standing, apply for one of those credit cards and always make the minimum monthly payment, or even better - pay off the balance every month. Your credit lender will be willing to low the interest rate and increase your credit line gradually. \n\nIf you still can't get approved for these special credit cards for bad credit, try pre-paid credit cards - These Prepaid Card does not extend you credit. Instead, accounts are prepaid for a specific amount and accounts are only good for the balance you have loaded/applied. They work pretty much like a debit card but entitle you to some benefits of a credit card.
799134
most major companies should such as visa or american express\n\nthey are good if you do not want a huge debt or for going to college\n\ni plan to get one soon, just go to a bank, and they will hook you up, credit score is not as important luckily.
34009
The easiest credit card to get is American Express Blue for students. It has a limit of $2500 and they give it to you right away. Just apply and in one week you have a new card
932005
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
998208
If you must have a credit card, get one with no annual fee and which pays you back.\n\nPersonally, I use a Citibank Platinum Dividend Select Mastercard, which pays back 5% on gasoline, supermarket and drugstore purchases, 1% on everything else.\n\nUse any credit card with extreme caution. If you don't pay your balance off in full (and on time) every month, the interest rates and fees will dwarf any benefit you will get from using the card. Most people make the mistake of thinking a credit card will stretch their money because they can buy things they don't have the money for. That's dead wrong. It doesn't stretch your money; it *shrinks* it. The reality is that you not only have to pay for what you bought, but interest on top of it. As a result, you'll eventually wind up paying $121 for something that you initially charged for $100. It's not a good way to live. Don't get in over your head.
906744
If you need to fix your credit or at least boost up your score.Get a secured credit card. Don't go with a place that charges a lot just to use them. Go to like Bank of America or Wells Fargo where its $19-$29 a year.Most importantly make sure that where ever you go they report to all 3 credit bureau, if they don't,don't use them their wasting your time.
58833
Your best bet is going to be getting a secured credit card - where you give them some money up front, and they give you a credit card. Use it wisely, pay all your bills on time, and don't overspend, and it'll help you build credit so that in a little while you can qualify for unsecured cards.\n\nWatch out for secured credit cards where where they charge you phenomenal interest rates or exuberant annual charges.
596381
Just get any credit card, doesn't matter what the interest rate or anything is. Just make sure you pay it off every month then the interest won't matter and it will help your credit rating. Make sure the card doesn't have an annual fee either. Then eventually you will be offered better credit cards. I currently have 7 credit cards because i opened four credit cards when i was 17 then went from there and now i have better credit cards with rewards.\n\nDo not listen to the people that are telling you to get debit cards, if you want a credit rating you need to have available credit which doesn't apply to a debit card.\n\nAlso, getting a credit card from certain stores such as Victoria's secret don't necesarily work as a real credit card, they are only limited to that store.\n\nCiti card would be a good card to start out with, you just have to be responsible with it, if you want a good credit rating you can't abuse it.
1163704
try getting a secured credit card