LogFAQs > #421221

LurkerFAQs ( 06.29.2011-09.11.2012 ), Active DB, DB1, DB2, DB3, DB4, DB5, DB6, DB7, DB8, DB9, DB10, DB11, DB12, Clear
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TopicI don't have a credit card but I want to make one.
KingButz
10/05/11 11:46:00 AM
#14:


Are you a student? Many banks will give you a student credit card with no annual fee. What you wanna look for is annual/start-up fees, and make sure it's $0. You can also find some offers of 0% intro APR for a few months, those are good to charge up and pay off before the intro APR ends.

If you can't find any good intro APRs, look for an APR below 22%. You should be able to find an offer like that even with little or no credit.

Building credit is great, despite what a lot of people in this topic may say. It allows you to get things you need when you can't completely afford it. Car loans are a great example of this; With good credit you can get a 0% car loan for years, letting you pay it off without a dime of interest!

As stated before, however, you do have to be prudent with your spending. If you don't trust yourself to be disciplined you will be sorry.

--
My Japanese alter-ego.
Hey all this is Bartz btw.
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