CHILLA44

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alright im young i got some credit but i need a f.....ng credit card does anyone know where i can get my hands on one that wont screw me over?

werd23

You could always try Visa online or Bank of America online

tubaman

I hate to tell you, but it's not possible. Credit card's that don't screw you don't exist. If you are just needing a credit card to shop online, you can use paypal. It creates a credit card # you can use online. Or you can get a visa check card. Takes it out of your checking account, and works like a credit card.

bpsgirlfriend

if you're in school, you can usually get a student card. you won't get alot of credit, but you'll get the card.

Justin

An airline card or one with some perks.

gruxx

For the love of God, get one with perks, either money back like discover, FreqFly miles, free gas, car discounts, free video rental. Just get one that gives you something.

My parents use a standard bank of america visa card. it's like pulling teeth when i say, OTHER CARDS GIVE YOU FREE STUFF FOR JUST USING THEM.

But if you don't pay it off every month, then yeah, you're gonna get screwed. It's how they make their money. Most introductory cards start at a real small credit line anyway. so it's pretty safe and you won't get into super debt trouble out of the gate.

elpaisa

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Try one that offers no annual fee and low interests...search the web for specials.

stejen

Hit up a college campus. They have a bunch of brochures for student cards. The rates arent that great and they dont give you a whole lot of spending power. But Its a great way to start if you're trying to build credit. Most importantly, USE IT WISELY!!!!

EyeminmyPrime

I don't have a specific answer just advice.

Find ONE with a low interested rate and don't open any other. Having more than one will ultiately lead tro your financial undoing unless you are some kind of freak who knows how to manage money! lol

They also have ones where you secure your own balance by paying $500 or so. YOu then have a $500.00 or $1000 limit. I think these are designed to help you build up your credit history and for people who have problems qualifying for a card.

Stifler

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If you're just starting off stick with something simple and one that doesn't have an annual fee. The best thing to do right now is build up your credit rating, because once you do that you should be able to get any card you want - but for now you should really keep it simple with a basic VISA or MasterCard and then work your way up. Low rates are what you need now.

Gansey

Man dont get a credit card, just get a debit card through your bank that way you can pay for all your shit online. Credit cards are the worst things in the world for young adults....

washucivic

If you want one try Citi Bank... They are better than most intro credit cards. I think my cards have a interest rate of 13% but this is better than the other ones that have an annual fee and about 20%. They offer 1% cash back on all purchases and up to 5% (i think) on some purchases like gas or groceries or something. They will give you a good credit limit too... I started at 1500 and have gone up from there. Make sure you are going to be responsible. The only reason I got a credit card is becauseI wanted an easy way of keeping track of business expenses. This is going to be the first month that i have not paid the entire balance in full so i try to keep up with things. Hope this helps.

PS if you want to give me your email address I can send you a link to the citi cards page... i can earn a $50 credit for referring you :rock:

skyextrm

capital one is easy card to start

ET1(SS)

We have one through our bank.

We get air-miles. And we have used them. You just never know when you may suddenly need to fly somewhere, so it does save you tons of money when you do travel. Or save up air-miles and use them for vacations to places that you would never have been able to afford traveling to otherwise. Either way you make out.

Never pay interest charges, always pay off the balance each month before they add interest charges.

Never own a card with an annual fee.

Never pay any money to the credit card company, just for giving you a card.

Use it: dont pay annual fees, dont pay interest, collect free air-miles, yeah that sums it all up.

:-)