Hello all...I've never had a credit card but I am interested in getting one. I have good credit but out of the trillion cc's out there , I dont know which to bother applying for.
Rewards and whatnot would be nice, but to be honest, I am just looking for approval. I will be making purchases on the card, and my steady job will allow me to pay them off. I am looking to build up my credit.
Any advice? Came to the home of degenerates for credit card advice....alot of characters and alot of smart guys here too. Like someone once said,
"Id take a ride down the river with a covers brother before a man in a suit anyday"
happy holidays
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To remove first post, remove entire topic.
Hello all...I've never had a credit card but I am interested in getting one. I have good credit but out of the trillion cc's out there , I dont know which to bother applying for.
Rewards and whatnot would be nice, but to be honest, I am just looking for approval. I will be making purchases on the card, and my steady job will allow me to pay them off. I am looking to build up my credit.
Any advice? Came to the home of degenerates for credit card advice....alot of characters and alot of smart guys here too. Like someone once said,
"Id take a ride down the river with a covers brother before a man in a suit anyday"
Whatever your bank offers, I have a visa platinum card but for the most part it's all same sh*t different pile unless you have a high credit rating then you might be able to get in on a low interest no fees deal.
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Whatever your bank offers, I have a visa platinum card but for the most part it's all same sh*t different pile unless you have a high credit rating then you might be able to get in on a low interest no fees deal.
Sign up for an airline card and get a free flight. The first year will be fee free so you may want to cancel before the fee hits in the second year. One percent cash back/miles is pretty standard, though in some categories you may get a bump to 5 as well as some buyers protection.
Pay your balance off in full monthly.
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Sign up for an airline card and get a free flight. The first year will be fee free so you may want to cancel before the fee hits in the second year. One percent cash back/miles is pretty standard, though in some categories you may get a bump to 5 as well as some buyers protection.
Just be careful. My advice? Make a rule to use it for one thing and nothing else and ALWAYS pay it off at the end of the month. You want to show that you can consistently come up with, say, $100 every month. For example, use it just for gas. Keep an eye on the balance at all times. Always remind yourself that you need to pay it off at months end. IMO credit cards are just evil. Of course they don't have a mind. They don't really commit evil acts but you know what I'm saying. They can get you in a ton of trouble. They set me back financially for many years but I was a dumb kid.
If you're gonna get one, at least get one that gives you air miles. Do a Google search for "best credit cards with rewards".
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What's up Sam?
Just be careful. My advice? Make a rule to use it for one thing and nothing else and ALWAYS pay it off at the end of the month. You want to show that you can consistently come up with, say, $100 every month. For example, use it just for gas. Keep an eye on the balance at all times. Always remind yourself that you need to pay it off at months end. IMO credit cards are just evil. Of course they don't have a mind. They don't really commit evil acts but you know what I'm saying. They can get you in a ton of trouble. They set me back financially for many years but I was a dumb kid.
If you're gonna get one, at least get one that gives you air miles. Do a Google search for "best credit cards with rewards".
Just be careful. My advice? Make a rule to use it for one thing and nothing else and ALWAYS pay it off at the end of the month. You want to show that you can consistently come up with, say, $100 every month. For example, use it just for gas. Keep an eye on the balance at all times. Always remind yourself that you need to pay it off at months end. IMO credit cards are just evil. Of course they don't have a mind. They don't really commit evil acts but you know what I'm saying. They can get you in a ton of trouble. They set me back financially for many years but I was a dumb kid.
If you're gonna get one, at least get one that gives you air miles. Do a Google search for "best credit cards with rewards".
thank u everyone for the tips
and thx steel cash
I remember our Big Ben discussions....wow
I do remember you saying you were in debt for years and finally got out of it. Good for you, hope all is well.
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Quote Originally Posted by SteelCash:
What's up Sam?
Just be careful. My advice? Make a rule to use it for one thing and nothing else and ALWAYS pay it off at the end of the month. You want to show that you can consistently come up with, say, $100 every month. For example, use it just for gas. Keep an eye on the balance at all times. Always remind yourself that you need to pay it off at months end. IMO credit cards are just evil. Of course they don't have a mind. They don't really commit evil acts but you know what I'm saying. They can get you in a ton of trouble. They set me back financially for many years but I was a dumb kid.
If you're gonna get one, at least get one that gives you air miles. Do a Google search for "best credit cards with rewards".
thank u everyone for the tips
and thx steel cash
I remember our Big Ben discussions....wow
I do remember you saying you were in debt for years and finally got out of it. Good for you, hope all is well.
How is your credit? If you don't have any, it will be difficult to get any kind of decent rewards card.
Your first credit card will likely be a small credit line around $500, with a pretty high APR around 15.99 to 19.99.
The best credit card that I have is my Chase Freedom. They offer 1% cash back on everything, and 5% cashback on their categories for the season.
For example, during summer months and from January til like March, you get 5% cashback on gas. They also do restaurants (including fast food), movies, grocery stores, etc.
The cashback is actually cashback too. They don't just give you points where you need 3500 points to get a $25 gift card like most places do.
In terms of credit lines, and no interest credit deals, I like my Citi simplicity card. I wouldn't get that unless you needed to borrow a few bucks for 18 months though.
I don't travel, so no airline cards interest me. Also, a lot of the more prestigious cards require an annual fee. I would never get one of those.
Good luck with your credit. Don't mess it up or you'll have problems getting car and home loans in the future or crappy rates.
Also, don't use more than half your limit. It's not looked upon well by companies.
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How is your credit? If you don't have any, it will be difficult to get any kind of decent rewards card.
Your first credit card will likely be a small credit line around $500, with a pretty high APR around 15.99 to 19.99.
The best credit card that I have is my Chase Freedom. They offer 1% cash back on everything, and 5% cashback on their categories for the season.
For example, during summer months and from January til like March, you get 5% cashback on gas. They also do restaurants (including fast food), movies, grocery stores, etc.
The cashback is actually cashback too. They don't just give you points where you need 3500 points to get a $25 gift card like most places do.
In terms of credit lines, and no interest credit deals, I like my Citi simplicity card. I wouldn't get that unless you needed to borrow a few bucks for 18 months though.
I don't travel, so no airline cards interest me. Also, a lot of the more prestigious cards require an annual fee. I would never get one of those.
Good luck with your credit. Don't mess it up or you'll have problems getting car and home loans in the future or crappy rates.
Also, don't use more than half your limit. It's not looked upon well by companies.
Oh, I see that you've never had a credit card before. Like I said, it will be tough to get a good one then.
I think Capital One cards are the easiest to get without credit, but I don't like their service. If you have no credit though, you gotta take what you can get and start somewhere.
If you're a student, you can get some student cards. They are easier to get.
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Oh, I see that you've never had a credit card before. Like I said, it will be tough to get a good one then.
I think Capital One cards are the easiest to get without credit, but I don't like their service. If you have no credit though, you gotta take what you can get and start somewhere.
If you're a student, you can get some student cards. They are easier to get.
In the eyes of credit card companies, the most important thing is to pay your bills on time. When invoice arrives, prearrange minimum (or more) payment 3-5 days before due date at ONLINE bank account. Some banks offer free transactions. Safer than mailing payment and more convenient than visiting bank.
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In the eyes of credit card companies, the most important thing is to pay your bills on time. When invoice arrives, prearrange minimum (or more) payment 3-5 days before due date at ONLINE bank account. Some banks offer free transactions. Safer than mailing payment and more convenient than visiting bank.
Credit cards that most people carry around are unsecured loans. They
have nothing but your good word and credit history to prove you will pay
the loan.
Secured credit cards have cash collateral to back up in the event you
default on the loan. It makes the bank more willing to issue credit to a
person with a damaged or new credit history. Their stakes are lower.
With secured cards, you of course pay them an amount to hold for a given
credit line. They won’t touch your deposit unless you default (don’t
ever pay) on the credit card. Many banks will dump this into a Savings
account.
As you pay the balance off, it is reported to the credit bureaus like
any normal credit account and over time with good management your score
will increase. In the future you may be eligible for a normal, unsecured
credit card and I believe you get your deposit back.
As with normal credit cards, secured cards have many options to chose
from. See what the fees and deposit
requirements are when choosing a card that's best for you.
If you are building credit, don't go beyond your means. Pay the thing
off every month if you can or go way beyond the minimum payment.
0
Credit cards that most people carry around are unsecured loans. They
have nothing but your good word and credit history to prove you will pay
the loan.
Secured credit cards have cash collateral to back up in the event you
default on the loan. It makes the bank more willing to issue credit to a
person with a damaged or new credit history. Their stakes are lower.
With secured cards, you of course pay them an amount to hold for a given
credit line. They won’t touch your deposit unless you default (don’t
ever pay) on the credit card. Many banks will dump this into a Savings
account.
As you pay the balance off, it is reported to the credit bureaus like
any normal credit account and over time with good management your score
will increase. In the future you may be eligible for a normal, unsecured
credit card and I believe you get your deposit back.
As with normal credit cards, secured cards have many options to chose
from. See what the fees and deposit
requirements are when choosing a card that's best for you.
If you are building credit, don't go beyond your means. Pay the thing
off every month if you can or go way beyond the minimum payment.
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happy holidays
alot of characters and alot of smart guys here too. Like someone once said, 
always , repeat , ALWAYS pay in full - ALWAYS
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