Credit Card

[iDesignBoxes 10+ year member]

I want a credit card for emergencies, groceries, and gas. I don't need a large limit, maybe like $500 or something. I have a job and make good money... I'm not in debt but I would like to build credit, since I have none. The way things are these days with the banks shutting down and all, what is a good company to begin with? I'm not looking for rewards and air miles and all of that junk. Maximum I spend a week on groceries and gas is... $50-100. Any good companies or "gems" out there?

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[tRidiot 10+ year member]

Start off with a cheap Crapital One card. You'll have an annual fee for the privilege, but you need to build credik, so you gotta take what you can get.

 

[azimuth 5,000+ posts]

american express is out. i'm not sure if any credit card company is in good shape. maybe visa.

 

[iDesignBoxes 10+ year member]

Any good companies with low interest? My sister recommends Bank of America or Visa.

 

[tRidiot 10+ year member]

You're not going to get a low interest rate with no credit. //content.invisioncic.com/y282845/emoticons/fyi.gif.9f1f679348da7204ce960cfc74bca8e0.gif

Maybe some introductory or balance-transfer rate, but nothing that's going to last.

 

[ctmike 10+ year member]

hsbc. love my card, low interest and 0% for the first 12 months on purchases and balance transfers (not that you have any though).

 

[iDesignBoxes 10+ year member]

hsbc. love my card, low interest and 0% for the first 12 months on purchases and balance transfers (not that you have any though).

Can't find any more information about the APR after 12 months... can you tell me more?

 

[azimuth 5,000+ posts]

just be careful not to over extend yourself. credit card companies are going to fall, just as the banks did.

 

[iDesignBoxes 10+ year member]

Perhaps I shall wait... maybe Obama will be good for something. Maybe not.

 

[azimuth 5,000+ posts]

Perhaps I shall wait... maybe Obama will be good for something. Maybe not.

it doesn't matter what president we have. we've been on this path with every president since jimmy carter. obama's campaign rhetoric won't fix anything.

 

[Louisiana_CRX 5,000+ posts]

Just start filling out every credit card application you can get your hands on...eventiually you'll hit pay dirt //content.invisioncic.com/y282845/emoticons/greedy.gif.5a53e6246569d7ab79867170f3b06629.gif

 

[azimuth 5,000+ posts]

what about doing a secured credit card?

 

[andrew2944r 10+ year member]

Listen here, You do not get a creditcard to know wtf the Intrest is, if you do not plan on paying the balance month to month in full, DO NOT GET A CC, this is why half of American are hosed financially as well as the CC Companys.

 

[iDesignBoxes 10+ year member]

Listen here, You do not get a creditcard to know wtf the Intrest is, if you do not plan on paying the balance month to month in full, DO NOT GET A CC, this is why half of American are hosed financially as well as the CC Companys.

Hmmm... some credit card companies have higher interest rates than other, so I'd be paying more when I could pay less. Why not pay less? I don't have a lot of experience with credit cards, but I do know that I would be paying back whatever I owed and make my payments on time... I'd make sure that I would have the money in my bank account before using the credit card or that I could at least afford to pay it back.

 

[azimuth 5,000+ posts]

a secured card is a great way to build credit, and you don't have to worry as much about paying it every month.