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Comment on What is the best way to get my first credit card to build credit? by Dave R

Dave R — Tue, 26 Jan 2010 10:51:59 +0000

Hey, if you’re looking just to build credit, there are ways in addition to credit cards: CD loans, car, house, student loans, etc….all those go in to your credit history. Assuming you’re responsible and pay on time and keep low balances, you’ll have fantastic credit.

I write a blog on personal finance and wrote an article about establishing good credit:

http://www.sweetsoundofmoney.com/2008/04/11/establishing-good-credit/

Check it out and hopefully you’ll find some info that helps. Good luck!
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Comment on What is the best way to get my first credit card to build credit? by ant T

ant T — Tue, 26 Jan 2010 10:37:59 +0000

check http://www.myfirstcreditcard.com.au to see what the providers are after they are some non bank lenders on the panel good luck
References :
http://www.myfirstcreditcard.com.au

Comment on What is the best way to get my first credit card to build credit? by northfulton39

northfulton39 — Tue, 26 Jan 2010 10:25:59 +0000

Store credit is the easiest such as Sears. You could also try HSBC or Washington Mutual which are very "new to credit" friendly.
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Comment on What is the best way to get my first credit card to build credit? by Oishi

Oishi — Tue, 26 Jan 2010 10:00:59 +0000

Since you are a college student, most credit card companies would probably be thrilled to issue you a credit card (they make a lot of money by taking advantage of college students) but as long as you are responsible, you can make them work for you and see to it that they never get a penny of interest from you. Just be sure to make your payments on time.

I’m surprised you’re not getting offers in the mail already (I used to get them every other day or so). Just contact Chase or Capital One and see who has the best offers. You should be approved for at least a small line of credit, no prob.
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Comment on What is the best way to get my first credit card to build credit? by A W

A W — Tue, 26 Jan 2010 09:28:59 +0000

Go to http://www.bankrate.com and it can help match you to the proper credit card. They had some on there for students last time I looked.
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Comment on How to choose a best credit card? I am a college student. What are the features that I should focus on? by lacy k

lacy k — Sat, 23 Jan 2010 04:01:59 +0000

Get started with a Chase Student Card. It’s a great way to establish your credit history, control your finances and get special student benefits too.
Chase +1SM Student Visa® Card with Flexible Rewards. When you buy your clothes, gear and tunes why not choose to reward yourself? Save with low interest rates, get great cardmember benefits, and establish your credit history at the same time.
YOUR CARD FEATURES
Introductory APR* 0% fixed APR Calculate Your Savings
Purchase APR* A variable APR, currently as low as 18.24%
Reward Earn 1 point for every $1 you spend in eligible purchases and redeem for your choice of travel, cash, merchandise or gift certificates/gift cards.
Bonus $20 Amazon.com® promotional certificate†
Benefits
Benefit Details
Annual Fee None

for more details: http://www.card-city.com
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Comment on How to choose a best credit card? I am a college student. What are the features that I should focus on? by moviegoer_j

moviegoer_j — Sat, 23 Jan 2010 03:11:59 +0000

The only rule to remember is: Use your credit card as if you were spending your cash, then pay off your balance every month. If you do that, you’ll build your credit score, and then you can reap the *rewards* from rewards cards.

The two best college student rewards cards are the Citi mtvU card and the Citi Driver’s Edge for Students card. (However, the best card for *you* will always depend on how much you spend in various categories like gas, restaurants, entertainment, etc. since each card offers different rewards percentages in different categories.)

You can compare your expected rewards from some of the best student credit cards here:
http://www.creditcardtuneup.com/?card_type=College+Student
References :
http://www.creditcardtuneup.com/

Comment on How to choose a best credit card? I am a college student. What are the features that I should focus on? by shahab a

shahab a — Sat, 23 Jan 2010 02:35:59 +0000

go with a student card, go here to compare credit cards.
http://www.bestcreditrates.net
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Comment on How to choose a best credit card? I am a college student. What are the features that I should focus on? by sam

sam — Sat, 23 Jan 2010 02:25:59 +0000

MasterCard is best for you,
Guaranteed Approval Debit MasterCard -FREE Online Check Writing, FREE Direct Deposit. No credit check 100% Approval
http://www.jdoqocy.com/click-2132937-10389096
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Comment on How to choose a best credit card? I am a college student. What are the features that I should focus on? by AB

AB — Sat, 23 Jan 2010 01:39:59 +0000

The things you need to look for in a credit card are ones with no annual fee and a low APR. Since you’re in college, you probably get tons of 0% introductory rate cards in the mail. Any of these are ok, but just be aware of the fine print. To maintain the best credit, purchase one thing (gas, groceries) once a month. When you receive the statement, pay the balance in FULL as soon as possible. Make sure you never miss a payment or spend more than you can afford. Go to http://www.bankrate.com/brm/rate/cc_home.asp for additional information. FICO scores are very complex. Go to http://www.myfico.com/.
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