I need a Credit Card. HELP!

United States
February 15, 2009 2:13pm CST
So now that I'm an adult I've been needing things like apartments, electronics, and a cell phone. But I really can't do any of this because I don't have any credit. Recently I've been thinking about getting a credit card. But not sure where to apply. Who has a credit card here? What do you like about it? What don't you like about it? Suggestions for me?
3 responses
• Canada
15 Feb 09
The best credit card for someone just starting out would have to be capital one. There is never a monthly fee unless you go over your limit. I had never had a credit card before and they were the only company that would give me one. They approved me for an unsecured card which means I had to place a deposit before they would allow me to use the card. I didn't want that so I just threw out the letter and a couple months later they sent me a letter informing me that I was approved for a regular one with a limit of $500, so I took it. Another option is getting a prepaid one for things like cellphones. They do not actually charge your credit card if you do contracts and it says your phone is $0 unless you actually buy something else off their websites or in store.
1 person likes this
• United States
27 Mar 09
I was going to go with Capital One, but my bank approved me first. and I think its a better deal. Unsecured card? haha sounds like a scam. Im sure its not since its Capital One, but I'm just saying.
• Canada
5 Apr 09
Every credit card I have heard of has this option which is also called a prepaid credit card.
@sedel1027 (17855)
• United States
15 Feb 09
If you have good credit, I suggest you get one through your bank. Most banks off er 0% for 6 months, then have a 6% interest rate (permanent) that's the way to go. Don't get more than 1 card and never get store cards. If you ever need a loan, those store cards will work against you!
1 person likes this
• United States
27 Mar 09
Thanks for the adive. I ended up getting approved from my back, and all the numbers seem good. I was thinking about getting a store credit card, but I wanted a card that could buy me anything. lol.
@reoko10 (578)
• United States
15 Feb 09
Credit cards are good and I like them and then sometimes I don't like them. Now the reason I got a credit Card is because I need to have credit to do some things and when I got my first credit in my hands it was like looking at some gold. I though now I will be able to get my credit up then I can do those things I want to do but it dose not go as fast as you think. I started to use my new credit card and what I found out is don't use a credit card unless you have the money for every your going to buy so you can pay the bill right away. Even though my credit was only $300 I still used it up and I could not pay it bake all at once so I had a new bill where I had to pay the min every month. I say get the card but only use it when you have the money for what every you are buying that way you wont get in to credit card debt.
1 person likes this
• United States
27 Mar 09
Yeah I hate the stupid cycle of credit cards. its viscous. I got approved and they actually gave me a $500 limit. But it went so fast! I managed to alomst max it out in like two weeks (but crazy controlling ex boyfriend made me spend about half of it.) But it was cool because I finally bought an IPOD touch. I've wanted it so long. I don't know what my min. payment is yet. something like $10 or so. But Im making a habbit of making the payment at the bank the same time I cash my check( my bank gave me my credit card). I just put like $50 in every two weeks. so that's working very well. Just hope I don't loose my job!