Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Sounds like you and me are alike OP (in terms of understanding debit/credit card differences...you have no idea how many times I have had to educate people on this).
Now let me tell you that...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Considering I had over $1,000 in my savings account with them at the time... I don't think they will haggle.
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Apply with a few of the big name banks that don't have any annual fees. Don't use the cards if you can help it. The claims that using cards and paying them off somehow boosts your credit is bull. ...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Yes, they do indeed. Capital One is actually one of the top listed "predatory lenders", meaning that they tend to approve people others won't with the expectation that they will get buried in debt.
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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My credit union just put out their student card since I asked last. I applied, so, let's see what happens.... More than likely to be declined due to low "wage," aka grants, scholarships and...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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As many times as I've read through this thread, I'm still incredibly indecisive.
I was hoping to get an opinion or two to see if anyone really liked one card or had any reasoning for using a...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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If the Credit Union can't help yet, why not look into getting a work study job on campus ( if possible) then that would solve the problem of having your own income, and then you could possibly...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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If you are talking about their checking account, I didn't get one and I don't really need one. The $5 fee is for the first 6 months and only if you don't have credit (like me). I don't mind using...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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I'm curious to learn more. Do you have a source for this "list" of predatory lenders? Who makes this list and on what basis?
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Kind of puts me between a rock and a hard place... :/ No relatives would be willing to help me out, unfortunately, as those with good credit have good credit because they earned it on their own and...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Between classes, practice, games, study hall, and traveling to and from school (approx. 1.5 hours a day) I don't have much time to myself, and when I do have time I have to study. :(
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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You are protected from unauthorized purchases with a debit card in the same way that you are protected with a credit card. The primary difference is in the length of time within which you must...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Unfortunate that they advertise it as a student card, then. :( I can't remember what I applied for, something that came in the mail for my mom and I thought I'd apply for the hell of it, because I...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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In addition to NerdWallet (which you've already checked out), check out http://creditcardtuneup.com/.
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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You seem to have a level head and understand not spending beyond your means, but convincing a lender to issue you a card with this fact alone may not be possible with the CARD act. The CARD Act of...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Yeah but is that because of practice and games? Wait... study hall too??!! wow! You're a busy one eh?
Work Study? Try Financial aid they may point you in the right direction...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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I want to start building up my credit so I can start doing things on my own and things that require credit. I just recently turned 18, so I don't exactly know where to start. I've tried reading up on...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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One of my main reasons for wanting to get a credit card is online purchases and safety. I don't want to have a debit card, somehow manage to find out it has been stolen and not be protected.
I...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Thanks! I asked about what my credit union has to offer as far as credit cards went, they said most had certain yearly fees (that I'd like to avoid). Once I have time I'd love to go out and see what...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Desert Schools? Eh, not so much. Their free account requires a combination of at least two of the following:
- eStatements
- Direct Deposit
- Three signature-based transactions per month
If...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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please read the credit card thread
https://slickdeals.net/forums/showthread.php?sduid=294784&t=1863955
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Sabrina, you mentioned you recently joined a credit union, that was a GOOD MOVE.
Now, have you asked THEM if they will give you a credit card? My credit union has 3 levels of cards: Beginners, (or...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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Like I said...I don't like Capital One either. I don't have any of their cards. But for starting out, they seem to approve easily from what I have heard from others. They have a higher success rate...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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I appreciate the warning. I have already created limits for myself for credit card use (for example, never have a balance over $50 unless I pay it off immediately) and anything over that amount will...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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If you get turned down, perhaps you can haggle with them. If you have any cash money at all, maybe they'll let you secure the card to your account, and limit it to say $500, or even $300. If they do,...
Trying to find a credit card to suit my lifestyle..
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Thread created 09-11-2011 by SabrinaC
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If we do any work study things on campus, I'm completely oblivious. Wouldn't know where to start but I'll see if I can't ask someone about it. Even then, I don't know when I'd have the time to...
