Applying for a credit card?

I want to apply for a credit card to establish good credit. I am young, have plenty of money to pay my bills, and only want one for the SOLE purpose of building credit. There%26#039;s no need to tell me it%26#039;s a bad idea---I am not materialistic and I have seen people my age develop health problems from credit card debt. Don%26#039;t worry, that won%26#039;t be my path. All I want to know is which companies are the worst and which are the best for a first timer!

Applying for a credit card?

it%26#039;s NOT a bad idea,, don%26#039;t listen to people who don%26#039;t know what they are talking about..

The reply above scares me. You DO need to use them, just having them doesn%26#039;t raise your score.

PAYING BILLS ON TIME does.

If you plan on buying a house, you will need 4 (FOUR) open lines`of credit, preferably open for 2 years(24 months)

Check out www.creditcard.com There are plenty of GREAT cards, many are free.

If you want a benefit card to get free airline flights or cruises just read the fine print. NCL Cruise lines has a great card, and it%26#039;s FREE.

As long as you pay your bill in full every month, the interest rate doesn%26#039;t matter. You will build a good credit score over time.

If you don%26#039;t have a car loan or any other loans, over time, get several more cards (known as lines of credit or tradelines)

Get a gas card and a retail store card like Target, Home Depot etc... use them once in awhile and pay them off when the bill comes in.. They DO help your score AND count as tradelines.

That%26#039;s how you build a great credit score!

Applying for a credit card?

Check out https://wwwn.applyonlinenow.co...

Go to www.ncl.com Click on the MORE tab and then Mastercard.. It si is one of the best rewards cards and can get you credit towards NCL cruises.

You CAN benefit~ Report It

Applying for a credit card?

I%26#039;ve never seen any that have been particularly bad for new credit applicants. I%26#039;ve had personal experience with Discover and Capital One and both have approved someone with no credit history of their own. Even if they only approve you for a few hundred dollars, it will be good to use it for a tank full of gas a month or something. Good luck!

Applying for a credit card?

a department credit card is good like walmart it as a visa credit card. i have not had any experience with a bad credit card but the apr percentage must be low

Applying for a credit card?

To be honest, they can all be bad, but I think this is a great idea, because NOT having established credit can been seen as a negative to creditors too.

I would advise getting a credit card through your bank.

Applying for a credit card?

My family has been in this business for a while. You need to get a minimum of 3 credit cards to build your credit. You don%26#039;t need to actually use any of them...just get them and hold on to them. Another big key is to NOT cancel them. The longer an account is open and in good standing, the better your credit is. One last thing...do not get a department store card or gas card or bank card to build credit as these don%26#039;t really count for anything. You need real credit cards like ones from Citibank and Chase. In the long run they will also help you out the most (if you have a Chase card for a while, it will even help to get you a better rate on a house mortgage). Anyways, hope this helps. Good luck!