getting a credit card??

[scrappy 10+ year member]

Real easy to reach your debt to income ratio. I was there when I first tried to get a house, but now its good to go just to find a decent one at the payment I want. Whatever you do dont go maxing out the card. Interest sucks while it builds credit it also is hard to pay off. Especially dont charge gas unless youre going to pay it off within 30 days to avoid the interest because then you $30 gas becomes $35 or so

 

[Chevillac 5,000+ posts]

Well at least I was somewhat right, with the inquiry statement.

 

[bigbangtheory 5,000+ posts]

Try captial one. They gave me a 0 % for a year and a fixed rate after that of 9.9 which isnt to bad considering my past. //content.invisioncic.com/y282845/emoticons/frown.gif.a3531fa0534503350665a1e957861287.gif

 

[faulkton 5,000+ posts]

Macy's gave me my first card when i was only 17, with no cosigner either. Try some department stores...just not sears..they are a b*tch. But becareful, im only 26 and just filed bankrupcy on a little over $37,000 in unsecured CC debt. Had to do it before the laws changed on oct 17.

 

[iceteebone 5,000+ posts]

This is exactly what I'm talking about //content.invisioncic.com/y282845/emoticons/wink.gif.608e3ea05f1a9f98611af0861652f8fb.gif It's good that he has good time on job, and owns his own house and a new car. But that doesn't mean he isn't/wasn't at his debt limit, or had some slow pay history.

he has too have good credit because the store approved him for the card and he got the laptop for me on his card. they gave him a $12,000 credit limit at the store. my dad is in his 50's and very old fashioned and he doesn't miss bills. //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

 

[Flipx99 5,000+ posts]

It would seem that you may be able to apply for a student card. I assume you are a yound adult based on your comments. These cards will normally come with higher APRs, but if you pay off when the bill comes there is no APR. You might have to settle with this scenario for a couple years before you can get good rates. Student and auto loans also help. The problem with credit is that it takes time to build. I am only at good credit because you need to be atleast 25 before you can get excellent ( they want more than 7 years of credit experience usually). I would not mass apply as squeak said, this means you are desperate for credit. bankrate.com is a great place to learn about credit cards and such....very highly reccomend this site for personal finance.

 

[LBX2G 10+ year member]

get a cellphone in ur name.

 

[iceteebone 5,000+ posts]

get a cellphone in ur name.

not gonna get one right now. don't want to enter into a contract and then in 2 months when i move, i can't use it with out paying outrages bills.

 

[Flipx99 5,000+ posts]

cell phones don't improve credit...they can only hurt if you don't pay.