Credit Cards

as a college student with minimal income, but a completely clean credit record, i was wondering if any of yall could recommend a particular credit card i should try to apply for or ones i should avoid. i have a credit card that is still sent to my home in charlotte that i think is linked to my parents accounts, but i wanted something separate to help me establish a decent independent credit history. i realize i'll get a terrible rate and probably no benefits, but does anybody know of anything that may work? i appreciate it.

 

I'd start with those that have booths on campus that give free t-shirts and stuff. Then use it ONLY for things you have to puchase and can purchase with cash and pay it off immediately. If you don't have credit enough to get a rewards card there really isn't a bad card as long as you just use it to make purchases here and there that you can immediately pay off. I think my first card was a Capital One.

 

Capital One Miles card. Use it wisely

 

Apply for a credit card with the bank where your accounts are...

 

you can't get one as your first card

thats what I have by the way

 

get one with your bank. Something small that you wont drown in, like $500 limit.

Get a tank of gas and have a nice meal once a month, and send in the payment the week after you charge it.

Do this and it will help your credit. Anything else is just bad. You just end up in over your head. Especially being in college with no real source of income.

 

Get a second job, not a credit card. If you get a credit card, you will end up needing a second job to pay for it.

 

don't listen to this guy


get your credit up now, thats what smart people do

 

Keg of beer....check
full tank of gas...check
groceries...check
Friday night at the bar...check

...all the important stuff :xyzthumbs to hell with paying it off monthly...just make sure you send them at least one check a month for at least the minimum balance and on time. your credit score will be good. then when you grow up and after you have purchased a house and filled it with furniture and all kinds of other shit...all paid for w/ credit card(s) you can go banko and walk away from the debt and keep the stuff. USAirways does it every year...why cant you. :huh:

 

The scary part is....I dont know how to argue against that because...well....you're exactly right.