I would like to get a credit card?

Question

I'm a full time college student and would like to start earning credit for later in life. I don't have any student loans that will earn credit (have a full ride). My sister mentioned getting a secured card but I didn't know if that is the best way to go or not. I really don't plan on using the card other than for gas and groceries.

I can get a Navy Federal Card because of my sister being in the Navy or another one with the best plan. I'm going to talk to my family more but I was wondering if anyone had any advice for me right now?

I've recieved some things in the mail when I was a senior but I was still 17 so I couldn't get one on my own anyway. Now that I'm 18 I'd like to start building my credit up.

Answer 1

Definitely check out the Navy one.  Read over the terms and conditions paying special attention to any fees involved.

There's also nothing wrong with a secured card.  It just means the bank is holding your money as collateral for the card.  It will build your credit and also limit your spending to the amount of the collateral you give them.

You can do your research now on a few different credit cards.  Get all the information together about fees, interest rates, grace periods, etc. then you'll have it all available when you talk to your family.

Good luck.

Answer 2

Hello my dear,dont fall prey to those hudlums out there that call them selves money lenders.All they want is your money after that you wont hear from them again.They have done it to me twice before i met davidson Loans venture Inc plc.If you really need a legitimate money lender,i will advice you to hurry down to davidson Loans venture Inc plc.They give at 2% interest rate.I have full assurence of their service because my loan was giving to me within two days of application.Here is their company address [e-mail] THEY OFFER ALL CATEGORY OF LOANS WHICH ARE!!!!!!!!!!!!!!!!!!!!!!

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Answer 3

Hi

I saw your question I have decided to help people out due to the fact that I myself has been scammed twice by fake lenders in my search for a loan but at last I got a reliable lender that gave me the loan($60,000 USD) that I was in dire need of even with a bad credit. Hence I decided that I will refer anybody I come across to this God sent lender he is reliable and his terms are fair. You can get to him via his email address [e-mail] Please tell him that Deborah Kirk he gave out a loan to me . I have search for a legit lender until I got him and I decided to help my fellow humans with this because there are a lot of fake lenders out there and I do not want any body to fall a prey please get to him and tell him that I referred you to him.

Thanks.

Deborah Kirk

Answer 4

You're on the right track! Many people will suggest avoiding credit cards at such a young age - but if you can handle them responsibly - you'll get a head start on building your credit score. This will make it much easier to purchase a car in your name - and eventually your own home.

If you can get a credit card through Navy Federal - great! They have competitive rates and may be able to help you out. If not, you may want to consider a "credit card for limited credit" like the one's found here: http://www.wowcreditcards.com/bad-credit...

Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards, they'll allow you to build and improve your credit score over time. Eventually, with regular on-time payments, your credit score will improve and you'll be able to move on to a better offer.

Another consideration: student credit cards. These offers also include higher interest rates - but will have less fees than the offers above. If you're a college student, you should be able to qualify for one of these offers as well: http://www.wowcreditcards.com/student.ht...

Hope this helps. GOOD LUCK!

Answer 5

Credit cards have become a necessity in society nowadays, you can't go anywhere without having to use one. That's why it's imperative to maintain a good<!--credit rating and use your credit card smart. Lots of credit card related question been asked here and yours just another one. Check out this website and it may answer your question,

http://bestcreditcards.freehostia.com/

After all, without a credit card, it's harder to live, and especially hard to shop online. Lots of credit card related questions are often being asked and yours is just another one. Credit cards are great to use as long as you control them-->They are useful, helpful, and make buying things a whole lot easier. But it's important to remember that people go into thousands of dollars of debt because of them, and the same thing could happen to you

Answer 6

Hello Every every body,

I am Ruth COLE by name, i live in US, just a few month ago i was in search for a loan of $ 50,000 Dollars, as my family was running out of money for feeding and my education. i was scammed about $500 0Dollars and i decided not to involve my self in such business again , finally A colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and i am most grateful am i today, i was given a loan amount of 30,000 Dollars by this great firm RONNETCLARKSLOAN FIRM, managing director MR RONNETCLERK

If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds i will advice you to, contact him via email [e-mail] and you will be free from scams in the internet

    *

Answer 7

You could always get one of your parents or your sister to help you co sign for a credit card if they have good credit.

Answer 8

I was denied on a lot of credit card applications when I was 18 because I had no credit. These were even for college students. If you have a checking and or savings at a bank or credit union, go to them first. If you have a good history with them (no overdraft balances) they will issue you a credit card. That's what they did for me, now my credit's so good I can get any card I want. Just use it responsibly, or your credit will go down the tubes real fast!

Answer 9

I know Citibank has a credit card for college students, but I just went and applied for Capital One when I was 18.  And I got it!  I still have it after all these years.

Answer 10

HI ,my names is Joy Rose.i saw your question in yahoo answer .i decide to referred anybody who is dire in need of loan to this God fearing man because i have been SCAMMED twice by this fake lenders.when i have bad credit is this  man that gave me{ $60,000] without anyupfront fees.you can get to him via Email [e-mail].  tell him joy rose referred you to him who he gave a loan to.Goodluck

thanks,from joyrose

Answer 11

credit cards designed for people with little or no prior credit card history, and trying to build their credit

they both have 0% APR for up to 15 Months

1st

Blue from American Express®

the link below provides a full detailed explenation of the card

http://www.cardlister.com/CreditCards_de...

or

2nd

Citi® Platinum Select® MasterCard®

the link below provides a full detailed explenation of the card

http://www.cardlister.com/CreditCards_de...

for even more credit cards with full explenations and comparison features check out....

http://www.cardlister.com/default.asp

Answer 12

your best bet will be getting a student credit card these cards have no annual and low rates plus they are easier to get approved when you are a student. check out these two sites they have great offers plus you are able to compare them side by side. just go under student credit cards.

http://fastcreditcardapprovals.com/

http://www.fastcardapprovals.com/