My first credit card....?
Hi all. I just turned 18 and I want a credit card. I've had a job for the last 3 years and I've been saving money. I'm going off to college, and very generously, my parents have offered to pay for everything, expect my clothing bill, I got to get that one. I have money saved to buy clothes, but I want to get a credit card. Which would be a good bank to go with? I have absolutely no credit what so ever. My parents have excellent credit, no bankruptcy or anything, but now that I'm an adult, I don't want too much of their help, there already being too generous. I want to use the card for other things too, like buying food or gas, and just other things. You know? haha I don't need airline or cash rewards or anything like that.. Just a simple credit card with a good and honest bank. I don't want a "secured" credit card, those cost way to much, I want a regular one. What's a good bank to go with? My parents hate Bank of America and don't recommend them, how is your experience with them? Citizens Bank? Chase? Ah, they hate Capital One too. Anyhow, what can you recommend? I really don't want a student card either, just a regular one! What can I do? Thanks!
Asked By: . - 6/26/2009
Best Answer - Chosen by Asker
I've heard many good things about Orchard Bank over the years. Pulaski Bank offers a very low rate as well. The website lowermybills.com allows you to compare credit card offerings, as do several other websites. Just Google "compare credit cards" and see what's available currently... More
Answered By: L.G. - 6/26/2009
Additional Answers (14)
The best card is no card. Cut that shit up. This economy is the result of bad creditors. Get a credit card when this all blows over
Answered By: Masta Hamsta - 6/26/2009
YOU ARE MAKING BIGGEST MISTAKE IN YOUR LIFE AND WILL BE PAYING 30% COMPOUNDED
Answered By: Steve - 6/26/2009
the best thing you can do....IS>>>DONT DO IT!!!!!!!!!
Answered By: Shay - 6/26/2009
If you're planning on paying it off every month religiously (and you ARE aren't you or face the wrath of Suze Orman?) get a cash back card that pays on gas, supermarkets, drug stores. It's just like clipping coupons or mail-in rebates as long as you're only using it for things you need to buy anyway.
Answered By: A A - 6/26/2009
I've had 1st Financial ever since I was 18. They start you off slow and seem to be nice. Really - I've never had any problems with them at all... More
Answered By: FaZizzle - 6/26/2009
Dear God, please do NOT start getting credit cards!!! You will regret it!
Answered By: pixystix66 - 6/26/2009
I recommend that you do NOT get a credit card, and instead find a job and e********y to pay for the things that you need. Buying things with money that you don't have is never a good idea, and usually leads to financial disaster as evidenced by the recession that we're in the middle of at this time.
Answered By: Daddy Mike - 6/26/2009
I'm with HFCU and i havent had any problems with them.
Answered By: Chartreuse - 6/26/2009
Go to any bank. They all sell VISA and Mastercard.
Answered By: psychopiet - 6/26/2009
If you have money saved up, why do you want a credit card? Unless you already have a debit card, I'd highly recommend getting one instead. Remember though, cards are why young adults go into debt easily. Learn to manage your money and don't over spend. The more spending power one has, the more willing one is to buying... More
Answered By: Goed - 6/26/2009
dont do it! credit card companies always give you a higher limit than you can afford jack up the fees & especially if you are in college you dont want to get into debt before your career starts. you can use a debit card with mastercard logo (all you spend is your cash) or you can start small, and pick a store you will... More
Answered By: sexyone - 6/26/2009
You may have to start out with a secured card because you have no credit. Look at Orchard Bank which has a very reasonable interest rate on a credit card for those wanting a first credit card or have damaged their credit... More
Answered By: Jenn B - 6/26/2009
My first one was capitol one and I did pretty good with them. Just be very careful you don't lose it or anything. My mother in law stole mine racked up $2000 dollar bill on it then tossed it as soon as it was declined. The only reason I know it was her is because when it came up missing I had them do a fraud... More
Answered By: Karissa - 6/26/2009
Try Citibank, they give very generous lines to loyal customers, and their fees are very reasonable. You need to start getting credit somewhere, and the way your thinking is the right way. It takes a responsible adult to manage a credit card. People always say credit cards are bad, and don't ever open them, they ruin... More
Answered By: JR3731 - 6/27/2009
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