I WANT TO BUILD MY CREDIT BY GETTING A New?
CREDIT CARD I NEVER HAD ONE BEFORE BUT I KNOW BY ME ONLY BEING 20 THIS IS A GOOD TIME TO BUILD MY CREDIT SCORE UP TO WHERE I WANT IT.
SO I WAS WONDERING DO ANYONE KNOW OF A GOOD CREDIT CARD PROGRAM THAT I CAN SIGN UP FOR THAT ISNT TO EXSPENSIVE JUST SOMETHING THAT I CAN PAY MOUNTH TO MOUNTH WITH A LOW INTRESY RATE THANK YOU HELP ME LOL
Answers: I work in the credit card industry manually reviewing reports to any approve or deny credit to people that apply, so I would own firsthand knowledge of what you're looking for.
The wonderful card would be one with NO annual charge, a 0% introductory and low (10.99%/max) APR, benefits program, and high starting credit check. If you don't have much of a credit history, it will be much harder to try to achieve cards like this. What I would suggest would be to check where on earth you do your banking to see if they contribute what's called a "secured" credit card. These work pretty much duplicate as a regular card only that a protection deposit which is used as collateral is placed upfront to determine the credit limit. For example, if you deposit $300, after you could purchase up to $300, and pay posterior $300. The deposit is used for collateral only when the picture is sent to collections, but if you pay on the dot, usually after a year it's given back to you. 2 largest benefits to secured cards is that it give you more control over the credit reduce by adding to the deposit, and the deposit is sometimes associated to a savings narrative, which earns interest while you're building credit, so it's in recent times not sitting there. The more you put in to the deposit, the higher the confine, the better your score will go and get becuase 30% of your score counts on how much credit you own to what you're using. 2 more benefits from secured cards is that by you putting up the deposit with your own money, it make you more disciplined in managing the card, especially since the deposit would be at stake, and it also help to start up an emergency fund when you get the deposit spinal column later on.
I also want you to be aware of some cards out in that that target people that enjoy trouble getting approved for credit, or trying to rebuild their credit. These cards are comfortable to get, but they're loaded beside hidden fees that are charged which cut back on your available credit and leave you near a bill to pay since you even get the card within the mail. Tribute, First Premier, and New Millenium are prime examples of this.
I posted several links to some secured card companies that I suggest would work out ok.
good luck!
You could try getting a store cc, close to a department store card. Some stores still issue non visa or master charge cards. Usually, it has a credit file of $300, but it really comes from a bank, so they adjectives get the library and after you appl for better cc.
Is near hope?
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SO I WAS WONDERING DO ANYONE KNOW OF A GOOD CREDIT CARD PROGRAM THAT I CAN SIGN UP FOR THAT ISNT TO EXSPENSIVE JUST SOMETHING THAT I CAN PAY MOUNTH TO MOUNTH WITH A LOW INTRESY RATE THANK YOU HELP ME LOL
Answers: I work in the credit card industry manually reviewing reports to any approve or deny credit to people that apply, so I would own firsthand knowledge of what you're looking for.
The wonderful card would be one with NO annual charge, a 0% introductory and low (10.99%/max) APR, benefits program, and high starting credit check. If you don't have much of a credit history, it will be much harder to try to achieve cards like this. What I would suggest would be to check where on earth you do your banking to see if they contribute what's called a "secured" credit card. These work pretty much duplicate as a regular card only that a protection deposit which is used as collateral is placed upfront to determine the credit limit. For example, if you deposit $300, after you could purchase up to $300, and pay posterior $300. The deposit is used for collateral only when the picture is sent to collections, but if you pay on the dot, usually after a year it's given back to you. 2 largest benefits to secured cards is that it give you more control over the credit reduce by adding to the deposit, and the deposit is sometimes associated to a savings narrative, which earns interest while you're building credit, so it's in recent times not sitting there. The more you put in to the deposit, the higher the confine, the better your score will go and get becuase 30% of your score counts on how much credit you own to what you're using. 2 more benefits from secured cards is that by you putting up the deposit with your own money, it make you more disciplined in managing the card, especially since the deposit would be at stake, and it also help to start up an emergency fund when you get the deposit spinal column later on.
I also want you to be aware of some cards out in that that target people that enjoy trouble getting approved for credit, or trying to rebuild their credit. These cards are comfortable to get, but they're loaded beside hidden fees that are charged which cut back on your available credit and leave you near a bill to pay since you even get the card within the mail. Tribute, First Premier, and New Millenium are prime examples of this.
I posted several links to some secured card companies that I suggest would work out ok.
good luck!
You could try getting a store cc, close to a department store card. Some stores still issue non visa or master charge cards. Usually, it has a credit file of $300, but it really comes from a bank, so they adjectives get the library and after you appl for better cc.