Credit card information!!!!! help!!!!!!!!!!?

Question

i'm a nurse and my income is $4.000 a month!!!! an this is the very first time i'm going to get a credit card!!!! pls... answer this following questions...

1. what bank shoud i go to, to get a credit card??

2. how to apply?

3. how do i pay after.. using credit card?

4. and more information about credit card!!!!!!!!!!!!!!!!!!!!

best answer.... will recieve 10 points!!!!!!!!!

Answer 1

Go to www.creditcards.com to find the right card for you, it's very helpful.  Or respond to one of the hundreds of mailings you probably get in a month.  Application is easy, it's like applying for a job.  You find out quickly if you've been approved, and what your credit limit is.  After your card arrives you have to activate via phone.  After doing so, you can use your card.  After using the card a monthly statement will be mailed to you with your card balance and minimum balance due at that time.  You have the option of writing a check and returning the bill with payment via snail mail, or setting up an online payment account.  With online payment you enter your bank account information and schedule your payments when your bill arrives each month.  If you choose, you can stop physical bills from arriving in your mail and have them sent to your email.

Look for a card with a low APR and if you can find it, one that has a fixed rate.  Finding a card that offers no fees for the first year is always nice too.

Good Luck.

Answer 2

Even you are not get applications try applying at the bank you already use or a store you frequent.

You go and ask for an application to apply.

You can your bill on line or through the mail.

Remember to pay it off every month you don't want to carry over money because it will cost you in the long run.

Answer 3

ok its unrealistic to get $4 a month. you can call any local bank and they will tell you everything. when u buy something u can tell the cashier that u wish to pay with your credit card. if you want to buy online it's quite simple. u just enter your credit card details to a TRUSTED site that you want to buy from.

I think u need to have at least $1500 in your pocket to actually have a bank account.

Answer 4

A lot of banks offer good rates, but which is the best depends on your area.  I know Bank of America and Wells Fargo offer cards, and usually local banks will as well.  My bank is a credit union, and they have better rates than any of my other cards.  If you don't want to to do that, look online for the best rates from different companies, i.e. Visa, Mastercard, American Express etc.  You can apply online most of the time.  They will look into your credit history and make a decision based on that and your income.

Once you receive the card in the mail, it has to be activated with a number they provide you.  You will receive a statement/bill in the mail every month (or online if you choose), and it will be broken down how much you owe, your balance and credit available.  

Best bet is to find a card that has a low APY, no yearly fee, and doesn't have a high credit limit.  A lot of card companies will give you a credit card if you have no credit, but will charge outrageous interest.   It might seem great to have a card with $3000 limit, but it comes at a price.  Under 10% is great, but you might have to have a good credit standing already to get something that low.

Hope this helps!

Answer 5

Bank Cards

Bank cards are issued by, you guessed it, banks. Visa, MasterCard, and Discover are the most popular and widely accepted types of bank cards. Bank card rates are set independently by the banks issuing them, so don't make the mistake of thinking that all Visas or all MasterCards are alike. In fact, a given bank may offer several different rates and fee schedules on its bank card. Sometimes you can pick which one you want; other times, the bank will offer you a single set of terms with no option, even though it offers another customer a different set of terms. That's why it's worth shopping around rather than just applying for "a MasterCard" or "a Visa." (In addition to having to choose between banks to get the best rates, within the bank card category lies several credit card subcategories from which to choose: affinity cards, secured cards, and unsecured cards.

AFFINITY CARDS

An affinity card typically is a Visa or a MasterCard that carries the logo of an organization (such as Harley Davidson1., Yahoo!2., Disney3., etc.) in addition to the emblem of the card. You basically are getting a card with someone's logo on it. The organization solicits all of its members to get cards, with the idea of keeping its name in front of the card users and, hopefully, keeping card users loyal to it for future purchases, membership, and/or donations.

SECURED CARDS

Secured cards require you to make a bank deposit up front as security against charges on the card. The limit on the card usually is set by the amount of the deposit. Typically, the contract is written in such a way that the issuing bank maintains the right to take money from your "security" deposit if you don't pay your bill. Secured cards usually are sold to people who have credit problems and can't get a regular "unsecured" card but still need credit. But a secured card from a bank may be a good deal for anyone. You may want a secured card even if you can get an unsecured card. Why? Since a secured card represents less risk to the bank, interest rates may be lower than for an unsecured card. A secured MasterCard or Visa looks just like a regular one and the law ensures that it has all the same consumer protections.

When evaluating a secured card, use the same criteria as for any other card, and ask the bank some additional questions such as:

1. What interest rate is paid on the deposit?

2. Is there an annual fee?

3. If I maintain a good credit record, will I be considered for an unsecured ("regular") card?

4. Binding arbitration. If you sign something which agrees to settle all disputes with binding arbitration, you are basically waiving your right to have your day in court. Many credit card companies have taken unfair advantage of their customers by insisting on this practice.

UNSECURED CARDS

You probably won't hear the term "unsecured card" often because, in terms of credit cards, these are the norm. "Unsecured" means that the bank can't take specific assets of yours in the event that you don't pay your bill, but rather would have to sue you or force you into bankruptcy to collect. A "regular" card is unsecured.

A list of the best credit card deals can be found at http://www.bankrate.com/cic. This site truly is impressive in its in-depth evaluation of credit cards-secured and unsecured.

Answer 6

Simple: There is a lot of info out there, you really should check around and do your homework.  There are various rates, various card, offering various perks.   Check with your local bank or credit union to start, you already have a relationship with them, apply there.

Just apply for the account, after you are accepted, the creditor will send you a credit card statement that will outline how you should pay, and when you should pay along with other information that you need to know.

Go for it.