Looking into first Credit Card

[jeeper07 5,000+ posts]

So im lookin to get my first Credit Card. I am a student and i know there are cards out for students and some are better then others. I dont travel so i dont want the mileage shit i was looking at Mastercard and the one i found that is the best that ive seen is the Citi Platnum select for students. Anyone else have any info? im looking for a point in the right direction

Click to read more...

 

[shizzzon 10+ year member]

I never accepted credit cards when i was in college.

When i got out of college, if you really want a credit card that is universal and with a low rate, go to your bank and inquire about one.

They'll usually give you one with free APR for 1 year then after that, the rate is still considerably low.

 

[jeeper07 5,000+ posts]

Im not going to use this and just run up a huge bill. It will mainly be for gas, rent, and food. Everything else i will pay with cash.

 

[SRim23 5,000+ posts]

I'd say unless you are super super responsible dont do it. its easy to keep swiping and pay that 18 or 26 dollar minimum a month and before you know it ur 6-10g's in debt.......

 

[SRim23 5,000+ posts]

Im not going to use this and just run up a huge bill. It will mainly be for gas, rent, and food. Everything else i will pay with cash.

gas, rent, food...... that is all stuff that is super expensive these days...... i see huge debt in your future.

 

[jeeper07 5,000+ posts]

Im pretty responsible. Ive been paying all my own bills since i was 16 so i know im not gonna run up nearly that much of a bill. If i got over 2 grand id cut it up.

 

[deLeo 10+ year member]

uhmm.... to get a homeloan you need credit, the way u establish credit is to have a credit card. get w\e deal u can with lowest interestrate ie. 0% for 6months. when ur close to that 6month mark look for a new card, payoff the old one. this way u have 0% always and your credit goes up as you pay cards off

 

[jeeper07 5,000+ posts]

gas, rent, food...... that is all stuff that is super expensive these days...... i see huge debt in your future.

well you dont know me so i wouldnt say that, but i plan on paying it off every couple of months or any time it gets more than 1500 and trying to get a good credit score so that i can take out loans and such

 

[morgans432 10+ year member]

i was raised if you dont have the money dont get it plain and simple. I see to many horror stories with cc it makes me not even want to think about getting one.

 

[lilmaniac2 5,000+ posts]

gas, rent, food...... that is all stuff that is super expensive these days...... i see huge debt in your future.

only if you live outside of your means...

 

[lilmaniac2 5,000+ posts]

Ive personally been considering a BP card so i can get $25 free in gas after XX gallons..

 

[zack39648 10+ year member]

i love my Citi card i would suggest the unsecured shell MC no sign up fee no annual fee 5% rebates back on gas and 2% rebate on other purchases with a 0% introductory rate for the fist 6 months and my APR after that was only 8.99% started with a $1000 credit line wich can be increased every 6 months in $500 intervals great company IMO never had troubles great customer service the one time first time i called them got a FINe sounding girl and she gave me her personal number if i had any more problems .... im pleased ... i have several other cards but i like Citi the best also have heard Chase is the worst CC out there but dont know personally .. hope that helps..

 

[jeeper07 5,000+ posts]

yea i have very good self control tho. I know that you can get into trouble FAST, but i dont think i would ever do that i worry about money way too much for that. I have a full scholarship for school so its not like i have any debt right now and id like to start workin on my credit score and i think i can handle it, but i like the idea of saving money and using a credit card then paying most of it off every month or so.

 

[jeeper07 5,000+ posts]

Ive personally been considering a BP card so i can get $25 free in gas after XX gallons..

i was thinking of getting that or a shell card, but bp is usually much cheaper in my area. and the main thing ill be using it for is gas since i get 9 miles a gallon in my truck //content.invisioncic.com/y282845/emoticons/crap.gif.7f4dd41e3e9b23fbd170a1ee6f65cecc.gif

 

[zack39648 10+ year member]

id sugest nevermind seems they have changed there cards since i got my shell platinum but here https://www.citibank.com/us/cards/shell/index.jsp