Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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Credit card companies make money by charging fees and interest. You can avoid most credit card fees by making different decisions about the credit card you apply for or the way you pay your bills.
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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27 Replies
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I just applied for this card myself a couple days ago. I had a 707 TU score and reported an honest income amount of $25,000( still in school and work part time). I ended up getting only a $500 credit...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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A result of the recession is that the best rewards credit cards now require "Excellent Credit" according to creditcards.com . With 6 years of good credit history, being a sophomore in college, and an...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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Capital one is still the best.. they have quick response and have a customer sevice 24/7:worship:
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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27 Replies
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Capital one hires sneaky bankers they try to steal your from other banks and lie or insinuate things that arent true. For example they told me that chase had violated a law when they had just...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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27 Replies
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"The ideal credit card has no annual fee (annual fees are for suckers - the credit card industry is the single most profitable one in the USA), a low interest rate (less than 20%), and a lengthy...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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27 Replies
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5 Tips For Starting Out With Credit
Know the different types of credit card.
Credit card features should influence how you choose and use it.
Expect a credit card statement every month.
Most...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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27 Replies
6,107 Views
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Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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27 Replies
6,107 Views
Thanks for the info. That's very helpful to know that that score is likely a FICO score- I was worried that because Chase states they scale all the way up to 990, that 714 would equate to more like...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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27 Replies
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I have most of these, Freedom, Amex Blue, and the Discover. I am a 3rd yr. in college, couple years older than OP and started acquiring when I turned 18. The first thing I recommend, if you have...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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Tell them the truth. Usually that score is the Transunion FICO score. Tell them where you are in life and why you want the card. Have any other chase cards? Any other cards at all?
If you...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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Hey guys,
I recently applied for the Chase Freedom and was denied. Chase listed my application score as 714 (although I know this is different from a real FICO score). They listed a few reasons...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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I always thought Capital One had some unusual business practices.
For instance, is it just me or does their Student Journey card look like a highly desirable Chase Freedom card?
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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I never said I would keep the card. :lol:
You have a good point, Capital One is probably the easiest card to get, but is by far the worst credit card issuer in the finance industry. I've always...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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When all the hard inquiries hit, it will look bad on a credit report. It shows a slight desperation for money, or so I've read.
Yes, indeed my first credit card was a capital one. When I was 16...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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27 Replies
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Actually, hard credit inquiries don't show up for a week or so on your credit report. If you want multiple cards submit the applications at the same time (same day). Your FICO score however will take...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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I was lucky in the fact that my father started me off with a joint credit card at 16. That helped me attain a credit card when I wanted to get my own.
I eventually got the Chase Freedom. To me,...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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i would wait until you arrive at college or they will turn you down for no credit history are you over 21
http://www.cbsnews.com/8301-505144_162-41540109/5-biggest-college-credit-card-myths/
...
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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27 Replies
6,107 Views
Woohoo!
Instadebt!
Need advice for first credit card
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Thread created 08-03-2012 by Schuyler
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27 Replies
6,107 Views
Thanks to everyone for the advice. Formless, I think I will take your advice and sign up for 2-3 cards. I'll be sorting through all the suggested cards to night, and i'll post back with what I end up...
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