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My First Credit Card

Posted on January 24, 2010.
My First Credit CardHow to get first credit card?

I was in all stores (Sears, JC Penny, etc.) I also tried to apply it with my bank and Capital One. I can not approved everywhere. Please, I want to start building my credit and I do not seek to be approved for a small amount. If someone knows a good card first, please let me know!

Chase gave me my first credit card outside my bank.

But then who was already having my credit card bank and a car payment, so you'll need to build up credit. But try hunting, you'll probably be approved as 500. (I'm assuming that you are 18 years without credit)

Get a credit card, use it a few times a month, and pay each time than others, and 3 / 4 the other half. Every two months, call the credit card company and request a credit line increase. Correct errors on your credit file. Your report must prove that the lender will recover his money.
Some retail cards and revolving credit are not the essence (do not report a monthly balance) and sometimes are easier to obtain than regular cards. Over time, they can help establish history. If you do not have a checking account, open one. You have very little credibility with lenders if you do not have at least one current account and preferably a savings account as well. Equally important, do not overdraw your bank account. NSF sends a signal to potential lenders that you can not manage your daily finances and are therefore not a good credit risk.
With careful planning and a little knowledge of how lenders issue credit, you can establish a credit history fairly painlessly. There are many companies are lining up to take advantage of you by charging exorbitant fees or interest rates, so be careful.

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http://www.bestcreditrates.net

You can build your credit just to pay his bills on time. You did not need to build your credit if most of the time. You need money to buy things. Credit cards give you money to lend. Credit cards are EVIL! If you do not believe me watch the rich get richer and the poor get poorer. The rich get richer because they put their money in a bank and earning compound interest. The poor become poorer because they borrow money and charged interest. Most rich people have little credit because they have credit because they do not buy "stuff" they cannot pay cash!

I suggest you make a gas card.

Be very careful though. Only spend as much as you can pay each month. I made the mistake of going into debt thanks to credit cards.

It took me years to get out. Credit Cards are EVIL!

Well, it depends how old are u. the legal age to have a credit card in Canada is 18. u can get a credit card, though. I have one.

It should be easy to get a credit card, every time I go somewhere, they ask me if I want one of them. Go to a jewelry store, as the tappers. I got my first from here

Take a loan from your bank, then pay it back slowly and consistantly over a year.

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