Which credit card would be best for me?
I am trying to build my credit and I want to apply for one more credit card. I already have 2...I'm 18...
I found this enumerate here:
http://www.creditcardguide.com/credit-ca...
What would be the best choice for a longterm (basically for life) credit card...? Doesn't have to be on the list..
I don't requirement rewards or anything like that...
..just a no annual payment good credit card...something to build my credit...
Any tips are much appreciated...
Thanks!
Alexander
Answers: Chase Card is great as long as you have no tardy accounts, Capital One would be a good 2nd choice. If they both decline you, go beside HSBC.
I'm not a big fan of credit cards, especially for an 18 year old.
However, your examine is an easy one. An extra credit card will most likely hurt your FICO evaluation in the short term and will not reorganize it in the long run. The two current lines of credit you have open out are enough to establish a credit history.
Don't be fooled by credit card hype. A pile of credit cards never helped anyone be well-heeled. (unless you count the credit card companies)
Additional:
What is your current FICO score? What is your goal?
Why do you devise adding another line of credit will "build" your FICO win?
The credit score is a scam. The only method to build the score is to accumulate debt. Anyone who tell you differently is trying to sell you something. Save your money and pay currency for everything. If you really need plastic in your wallet, attain a debit card. since you're considered college age you should be able to get a card near less than 10% interest and 6 months-1 year 0% introductory rate. It is a good notion to see if your bank offers a student card. I turn through chase and they offer one with 8% interest and 6 months at 0% for students
I am no gonna enunciate I am one hundred sure about it.Besides it really depends on the personal feelings.SO it would better for you to find yourself.Here is a honest resource.http://creditcard.expertips.info/apply-f... Try American Express. They have different types of benefits and priviledges. Or you can also use Discover.
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I found this enumerate here:
http://www.creditcardguide.com/credit-ca...
What would be the best choice for a longterm (basically for life) credit card...? Doesn't have to be on the list..
I don't requirement rewards or anything like that...
..just a no annual payment good credit card...something to build my credit...
Any tips are much appreciated...
Thanks!
Alexander
Answers: Chase Card is great as long as you have no tardy accounts, Capital One would be a good 2nd choice. If they both decline you, go beside HSBC.
I'm not a big fan of credit cards, especially for an 18 year old.
However, your examine is an easy one. An extra credit card will most likely hurt your FICO evaluation in the short term and will not reorganize it in the long run. The two current lines of credit you have open out are enough to establish a credit history.
Don't be fooled by credit card hype. A pile of credit cards never helped anyone be well-heeled. (unless you count the credit card companies)
Additional:
What is your current FICO score? What is your goal?
Why do you devise adding another line of credit will "build" your FICO win?
The credit score is a scam. The only method to build the score is to accumulate debt. Anyone who tell you differently is trying to sell you something. Save your money and pay currency for everything. If you really need plastic in your wallet, attain a debit card. since you're considered college age you should be able to get a card near less than 10% interest and 6 months-1 year 0% introductory rate. It is a good notion to see if your bank offers a student card. I turn through chase and they offer one with 8% interest and 6 months at 0% for students
I am no gonna enunciate I am one hundred sure about it.Besides it really depends on the personal feelings.SO it would better for you to find yourself.Here is a honest resource.http://creditcard.expertips.info/apply-f... Try American Express. They have different types of benefits and priviledges. Or you can also use Discover.