Current Events > What's a good first Credit Card?

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Sexypwnstar 11/23/19 12:05:12 PM #1:	So I can start building credit and all that junk, also do I need a checking account if I just have a credit card that I'll pay off every month in this case? --- https://imgur.com/Su4g5 https://imgur.com/21DiJ <cite>Sexypwnstar posted [p:930577933] in What's a g... [t:78190611]...</cite> <quote>So I can start building credit and all that junk, also do I need a checking account if I just have a credit card that I'll pay off every month in this case?</quote> ... Copied to Clipboard!
BiggLaw 11/23/19 12:16:41 PM #2:	It's easier to just apply for Target's Red Card. I mostly just bought games and snacks. Things easy to pay off. You can try Wal-Mart too. Maybe Best Buy? I don't think I have anything with Best Buy though. My first credit purchase was an Xbox 360 in 2006 and I paid it off by putting like $15 - $20 week on it just to get ahead of schedule. --- Don't hate the player, hate the game. I only play the cards I was dealt. Gamertag: BiggLaw4 <cite>BiggLaw posted [p:930578349] in What's a g... [t:78190611]...</cite> <quote>It's easier to just apply for Target's Red Card. I mostly just bought games and snacks. Things easy to pay off. You can try Wal-Mart too. Maybe Best Buy? I don't think I have anything with Best Buy though. My first credit purchase was an Xbox 360 in 2006 and I paid it off by putting like $15 - $20 week on it just to get ahead of schedule.</quote> ... Copied to Clipboard!
masticatingman 11/23/19 12:20:42 PM #3:	If you have a stable job and some savings just go to your bank in person and figure that shit out. I qualified for a card easily that my applications online were saying I had no chance at. --- Raised on VHS, anchored to DVD <cite>masticatingman posted [p:930578504] in What's a g... [t:78190611]...</cite> <quote>If you have a stable job and some savings just go to your bank in person and figure that shit out. I qualified for a card easily that my applications online were saying I had no chance at.</quote> ... Copied to Clipboard!
Smashingpmkns 11/23/19 12:24:52 PM #4:	Just get a card with cash back rewards and the lowest apr you can manage. Or you can get a secured card. --- Clean Butt Crew <cite>Smashingpmkns posted [p:930578669] in What's a g... [t:78190611]...</cite> <quote>Just get a card with cash back rewards and the lowest apr you can manage. Or you can get a secured card.</quote> ... Copied to Clipboard!
KillerSlaw 11/23/19 12:26:45 PM #5:	Discover just approved me for a card when I started college and I've been using it ever since. It's only got like 1500 spending limit, but at the same time I have no real need to ever go beyond that so it's kept me from making dumb mistakes. Some people scoff at me only have one card that has like 1500 but I've used it for damn near 10 years now and it got me to an 811 credit score before medical debt kicked my ass so shrug --- Do you think God stays in heaven because he, too, lives in fear of what he's created? <cite>KillerSlaw posted [p:930578740] in What's a g... [t:78190611]...</cite> <quote>Discover just approved me for a card when I started college and I've been using it ever since. It's only got like 1500 spending limit, but at the same time I have no real need to ever go beyond that so it's kept me from making dumb mistakes. Some people scoff at me only have one card that has like 1500 but I've used it for damn near 10 years now and it got me to an 811 credit score before medical debt kicked my ass so shrug</quote> ... Copied to Clipboard!
Romulox28 11/23/19 12:27:04 PM #6:	If you have no credit history you'll probably need to get a secured credit card. These are credit cards with low credit limits and very high interest, designed for ppl with shitty credit or non existent credit (like yourself). Use this for a few months, pay it off every month, and then you can move on to applying for a regular credit card with a solid limit. I had a Capital One secured card that was good, I think it started me with a $500 credit limit --- https://imgur.com/LhwwG <cite>Romulox28 posted [p:930578750] in What's a g... [t:78190611]...</cite> <quote>If you have no credit history you'll probably need to get a secured credit card. These are credit cards with low credit limits and very high interest, designed for ppl with shitty credit or non existent credit (like yourself). Use this for a few months, pay it off every month, and then you can move on to applying for a regular credit card with a solid limit. I had a Capital One secured card that was good, I think it started me with a $500 credit limit</quote> ... Copied to Clipboard!
Super Saiyan 3 Goku 11/23/19 12:27:09 PM #7:	Yeah, don't get a store branded credit card. Get one from a bank that offers rewards like cash back. Capital One has some good starter options. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:930578755] in What's a g... [t:78190611]...</cite> <quote>Yeah, don't get a store branded credit card. Get one from a bank that offers rewards like cash back. Capital One has some good starter options.</quote> ... Copied to Clipboard!
cuttin_in_farm 11/23/19 12:27:12 PM #8:	Quicksilver Capital One card or one through your bank/Credit union. Both should be easy to get, both shouldnt have an annual fee. And at least with Capital One, you get cashback on everything to get you started. Capital One sucks, but they are a good starting point. Just dont get anything else from them. --- A show of kindness may not do much help, but a show of cruelty may do much harm. <cite>cuttin_in_farm posted [p:930578760] in What's a g... [t:78190611]...</cite> <quote>Quicksilver Capital One card or one through your bank/Credit union. Both should be easy to get, both shouldnt have an annual fee. And at least with Capital One, you get cashback on everything to get you started. Capital One sucks, but they are a good starting point. Just dont get anything else from them.</quote> ... Copied to Clipboard!
sktgamer_13dude 11/23/19 12:27:34 PM #9:	I just went with USAA cause I had insurance through them. Else I probably would have went through Chase since I have a checking account with them. --- https://imgur.com/jWVrg9U https://imgur.com/g2efUtT https://imgur.com/5dOwhaP https://imgur.com/LVdqu8J Go Cougs and M's #DI4B <cite>sktgamer_13dude posted [p:930578774] in What's a g... [t:78190611]...</cite> <quote>I just went with USAA cause I had insurance through them. Else I probably would have went through Chase since I have a checking account with them.</quote> ... Copied to Clipboard!
BiggLaw 11/23/19 12:28:30 PM #10:	Super Saiyan 3 Goku posted... Yeah, don't get a store branded credit card. Get one from a bank that offers rewards like cash back. Capital One has some good starter options. My credit score went over 730 using the Target one when I had no credit to begin with, so... --- Don't hate the player, hate the game. I only play the cards I was dealt. Gamertag: BiggLaw4 <cite>BiggLaw posted [p:930578814] in What's a g... [t:78190611]...</cite> <quote>Super Saiyan 3 Goku posted...</cite> <quote>Yeah, don't get a store branded credit card. Get one from a bank that offers rewards like cash back. Capital One has some good starter options.</quote> My credit score went over 730 using the Target one when I had no credit to begin with, so...</quote> ... Copied to Clipboard!
Smashingpmkns 11/23/19 12:29:14 PM #11:	cuttin_in_farm posted... Quicksilver Capital One card or one through your bank/Credit union. Both should be easy to get, both shouldnt have an annual fee. And at least with Capital One, you get cashback on everything to get you started. Capital One sucks, but they are a good starting point. Just dont get anything else from them. The Quicksilver card he can most likely get approved for has a $40 annual fee and high apr but still worth it as long as he pays his balance in full every month. --- Clean Butt Crew <cite>Smashingpmkns posted [p:930578832] in What's a g... [t:78190611]...</cite> <quote>cuttin_in_farm posted...</cite> <quote>Quicksilver Capital One card or one through your bank/Credit union. Both should be easy to get, both shouldnt have an annual fee. And at least with Capital One, you get cashback on everything to get you started. Capital One sucks, but they are a good starting point. Just dont get anything else from them.</quote> The Quicksilver card he can most likely get approved for has a $40 annual fee and high apr but still worth it as long as he pays his balance in full every month.</quote> ... Copied to Clipboard!
cuttin_in_farm 11/23/19 12:31:19 PM #12:	Smashingpmkns posted... cuttin_in_farm posted... Quicksilver Capital One card or one through your bank/Credit union. Both should be easy to get, both shouldnt have an annual fee. And at least with Capital One, you get cashback on everything to get you started. Capital One sucks, but they are a good starting point. Just dont get anything else from them. The Quicksilver card he can most likely get approved for has a $40 annual fee and high apr but still worth it as long as he pays his balance in full every month. I think the Quicksilver One card has the fee. My friend with no history applied for the Quicksilver with no fee, and she was approved straight out of High School, so I assume they arent too hard to get. Though yea, Im assuming TC wont carry a balance. --- A show of kindness may not do much help, but a show of cruelty may do much harm. <cite>cuttin_in_farm posted [p:930578912] in What's a g... [t:78190611]...</cite> <quote>Smashingpmkns posted...</cite> <quote>cuttin_in_farm posted...</cite> <quote>Quicksilver Capital One card or one through your bank/Credit union. Both should be easy to get, both shouldnt have an annual fee. And at least with Capital One, you get cashback on everything to get you started. Capital One sucks, but they are a good starting point. Just dont get anything else from them.</quote> The Quicksilver card he can most likely get approved for has a $40 annual fee and high apr but still worth it as long as he pays his balance in full every month.</quote> I think the Quicksilver One card has the fee. My friend with no history applied for the Quicksilver with no fee, and she was approved straight out of High School, so I assume they arent too hard to get. Though yea, Im assuming TC wont carry a balance.</quote> ... Copied to Clipboard!
Super Saiyan 3 Goku 11/23/19 12:31:31 PM #13:	Smashingpmkns posted... cuttin_in_farm posted... Quicksilver Capital One card or one through your bank/Credit union. Both should be easy to get, both shouldnt have an annual fee. And at least with Capital One, you get cashback on everything to get you started. Capital One sucks, but they are a good starting point. Just dont get anything else from them. The Quicksilver card he can most likely get approved for has a $40 annual fee and high apr but still worth it as long as he pays his balance in full every month. Is that the QuicksilverOne that has the annual fee? I know the regular Quicksilver doesn't because I used to have it. TC can start with a QuicksilverOne if he can't qualify for the regular one, and then just do a product change after several months. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:930578923] in What's a g... [t:78190611]...</cite> <quote>Smashingpmkns posted...</cite> <quote>cuttin_in_farm posted...</cite> <quote>Quicksilver Capital One card or one through your bank/Credit union. Both should be easy to get, both shouldnt have an annual fee. And at least with Capital One, you get cashback on everything to get you started. Capital One sucks, but they are a good starting point. Just dont get anything else from them.</quote> The Quicksilver card he can most likely get approved for has a $40 annual fee and high apr but still worth it as long as he pays his balance in full every month.</quote> Is that the QuicksilverOne that has the annual fee? I know the regular Quicksilver doesn't because I used to have it. TC can start with a QuicksilverOne if he can't qualify for the regular one, and then just do a product change after several months.</quote> ... Copied to Clipboard!
Smashingpmkns 11/23/19 12:34:28 PM #14:	cuttin_in_farm posted... Smashingpmkns posted... cuttin_in_farm posted... Quicksilver Capital One card or one through your bank/Credit union. Both should be easy to get, both shouldnt have an annual fee. And at least with Capital One, you get cashback on everything to get you started. Capital One sucks, but they are a good starting point. Just dont get anything else from them. The Quicksilver card he can most likely get approved for has a $40 annual fee and high apr but still worth it as long as he pays his balance in full every month. I think the Quicksilver One card has the fee. My friend with no history applied for the Quicksilver with no fee, and she was approved straight out of High School, so I assume they arent too hard to get. Though yea, Im assuming TC wont carry a balance. Damn when I was first starting out I couldn't get approved for the one without the fee. Online it says the required credit score is 700 or higher for the card without the fee. I got approved for the One at 540 lol --- Clean Butt Crew <cite>Smashingpmkns posted [p:930579059] in What's a g... [t:78190611]...</cite> <quote>cuttin_in_farm posted...</cite> <quote>Smashingpmkns posted...</cite> <quote> cuttin_in_farm posted...</cite> <quote> Quicksilver Capital One card or one through your bank/Credit union. Both should be easy to get, both shouldnt have an annual fee. And at least with Capital One, you get cashback on everything to get you started. Capital One sucks, but they are a good starting point. Just dont get anything else from them. </quote> The Quicksilver card he can most likely get approved for has a $40 annual fee and high apr but still worth it as long as he pays his balance in full every month.</quote> I think the Quicksilver One card has the fee. My friend with no history applied for the Quicksilver with no fee, and she was approved straight out of High School, so I assume they arent too hard to get. Though yea, Im assuming TC wont carry a balance.</quote> Damn when I was first starting out I couldn't get approved for the one without the fee. Online it says the required credit score is 700 or higher for the card without the fee. I got approved for the One at 540 lol</quote> ... Copied to Clipboard!
Hanky_Bannister 11/23/19 12:35:46 PM #15:	apple card gotta be trendy over anything --- "3rd Best Whiskey in Northern Burma" https://www.youtube.com/watch?v=hvjOu4EzjYg <cite>Hanky_Bannister posted [p:930579110] in What's a g... [t:78190611]...</cite> <quote>apple card gotta be trendy over anything</quote> ... Copied to Clipboard!
King_Hutton 11/23/19 12:36:03 PM #16:	Discover is pretty good about handing out low limit cards to people with no credit. --- All hail King Hutton Official Carter Hutton fanboy <cite>King_Hutton posted [p:930579121] in What's a g... [t:78190611]...</cite> <quote>Discover is pretty good about handing out low limit cards to people with no credit.</quote> ... Copied to Clipboard!
Hexenherz 11/23/19 12:37:17 PM #17:	My first card was a rewards card from my bank, but it's really underwhelming. If you use Amazon Prime at all, the Amazon card is actually pretty solid. 5% on Amazon purchases, 2% on gas, drugstores and restaurants, 1% on everything else. They have random deals you can accept (like "10% back on Starbucks" or "18% back on Little Caesar's"). AND you don't even have to spend your reward points at Amazon - even though it's an Amazon card and you can use the points there, you can also just as easily cash them out for cashback rewards, gift cards, etc. like most other cards. --- FFXIV: Lucius Hexenseele (Brynhildr) \| RS3: UltimaSuende . 99 WC/Fish/Cook/Fletch/Div/Mining/Smithing/Thieving, 85 crafting <cite>Hexenherz posted [p:930579172] in What's a g... [t:78190611]...</cite> <quote>My first card was a rewards card from my bank, but it's really underwhelming. If you use Amazon Prime at all, the Amazon card is actually pretty solid. 5% on Amazon purchases, 2% on gas, drugstores and restaurants, 1% on everything else. They have random deals you can accept (like "10% back on Starbucks" or "18% back on Little Caesar's"). AND you don't even have to spend your reward points at Amazon - even though it's an Amazon card and you can use the points there, you can also just as easily cash them out for cashback rewards, gift cards, etc. like most other cards. </quote> ... Copied to Clipboard!
CosmicShadows 11/23/19 12:37:46 PM #18:	I'm actually looking for one too. I got zero credit. And secured cards are basically my only options. --- Formally Shadowblade320. <cite>CosmicShadows posted [p:930579188] in What's a g... [t:78190611]...</cite> <quote>I'm actually looking for one too. I got zero credit. And secured cards are basically my only options. </quote> ... Copied to Clipboard!
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RickyTheBAWSE 11/23/19 12:46:51 PM #20:	we're slaves to credit now. can't even buy a home with cash anymore --- Never let those intent on misunderstanding you be the narrator to YOUR story! Context? Context!? CONTEXT!!! <cite>RickyTheBAWSE posted [p:930579517] in What's a g... [t:78190611]...</cite> <quote>we're slaves to credit now. can't even buy a home with cash anymore</quote> ... Copied to Clipboard!
Super Saiyan 3 Goku 11/23/19 12:46:57 PM #21:	Ex-Kefiroth posted... Chase Freedom/Freedom Unlimited is a good one. No annual fee, and I believe they're still running a $200 bonus promo on that card with a $500 minimum spend. Yeah, those are good cards but I only hesitate on Chase for TC because they tend to want to see some history before they approve you. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:930579522] in What's a g... [t:78190611]...</cite> <quote>Ex-Kefiroth posted...</cite> <quote>Chase Freedom/Freedom Unlimited is a good one. No annual fee, and I believe they're still running a $200 bonus promo on that card with a $500 minimum spend.</quote> Yeah, those are good cards but I only hesitate on Chase for TC because they tend to want to see some history before they approve you.</quote> ... Copied to Clipboard!
CapnMuffin 11/23/19 12:47:46 PM #22:	Discover and Kohls are first timer friendly --- Parent or parent-to-be? Come join us: https://gamefaqs.gamespot.com/boards/1027-all-things-parenthood NNID : CapnMuffin \| XBGT : Capn Muffin <cite>CapnMuffin posted [p:930579550] in What's a g... [t:78190611]...</cite> <quote>Discover and Kohls are first timer friendly</quote> ... Copied to Clipboard!
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Super Saiyan 3 Goku 11/23/19 1:31:08 PM #24:	Ex-Kefiroth posted... Super Saiyan 3 Goku posted... Ex-Kefiroth posted... Chase Freedom/Freedom Unlimited is a good one. No annual fee, and I believe they're still running a $200 bonus promo on that card with a $500 minimum spend. Yeah, those are good cards but I only hesitate on Chase for TC because they tend to want to see some history before they approve you. True, though I myself am relatively new to the credit card game, and got approved for the CFU with only 4 months credit history on a Capital One Platinum (which is basically a starter card) Ok cool stuff. If TC is feeling lucky, I'd shoot for Chase. They have some good cards in their portfolio. I've got their Sapphire Preffered card and I think it's nice. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:930581263] in What's a g... [t:78190611]...</cite> <quote>Ex-Kefiroth posted...</cite> <quote>Super Saiyan 3 Goku posted...</cite> <quote>Ex-Kefiroth posted...</cite> <quote>Chase Freedom/Freedom Unlimited is a good one. No annual fee, and I believe they're still running a $200 bonus promo on that card with a $500 minimum spend.</quote> Yeah, those are good cards but I only hesitate on Chase for TC because they tend to want to see some history before they approve you.</quote> True, though I myself am relatively new to the credit card game, and got approved for the CFU with only 4 months credit history on a Capital One Platinum (which is basically a starter card)</quote> Ok cool stuff. If TC is feeling lucky, I'd shoot for Chase. They have some good cards in their portfolio. I've got their Sapphire Preffered card and I think it's nice.</quote> ... Copied to Clipboard!
DeroIin 11/23/19 1:33:32 PM #25:	Discover denied me and Im still pending for Chase soo --- 1 up <cite>DeroIin posted [p:930581347] in What's a g... [t:78190611]...</cite> <quote>Discover denied me and Im still pending for Chase soo</quote> ... Copied to Clipboard!
Relient_K 11/23/19 1:35:16 PM #26:	My first and only card is with Capitol one. It was very easy to get and my credit is really good about 9 years later. I pay it off in full each month and get 1% cash back. I've tried getting a higher % card but didn't qualify because of my student loans. --- We all ate the biscuits, Fighter. We can all see through time. [ER] <cite>Relient_K posted [p:930581402] in What's a g... [t:78190611]...</cite> <quote>My first and only card is with Capitol one. It was very easy to get and my credit is really good about 9 years later. I pay it off in full each month and get 1% cash back. I've tried getting a higher % card but didn't qualify because of my student loans. </quote> ... Copied to Clipboard!
TheBiggerWiggle 11/23/19 1:56:23 PM #27:	Dont get a store credit card as your first card. Theyre not as desirable as normal credit cards when it comes to establishing and raising credit. Also DO NOT just start randomly applying for cards. Hard credit checks stay on your history for two years and too many will negatively effect you. What i would recommend is pick a bank youd like to open an account with, go to their website, and see if youre pre-approved for any offers. This will lessen the chances of your hard check being denied. In my experience Capital One is a good place to get started. My first card card was a secured card from Capital One. I paid a $200 deposit for a $500 limit. I only used it for gas and paid it in full every month. After maybe 6-8 months I started getting offers for real credit cards. --- I have trouble concentrating because I have 80HD. <cite>TheBiggerWiggle posted [p:930582089] in What's a g... [t:78190611]...</cite> <quote>Dont get a store credit card as your first card. Theyre not as desirable as normal credit cards when it comes to establishing and raising credit. Also DO NOT just start randomly applying for cards. Hard credit checks stay on your history for two years and too many will negatively effect you. What i would recommend is pick a bank youd like to open an account with, go to their website, and see if youre pre-approved for any offers. This will lessen the chances of your hard check being denied. In my experience Capital One is a good place to get started. My first card card was a secured card from Capital One. I paid a $200 deposit for a $500 limit. I only used it for gas and paid it in full every month. After maybe 6-8 months I started getting offers for real credit cards. </quote> ... Copied to Clipboard!
Sexypwnstar 11/25/19 12:10:18 AM #28:	Gonna bump this so I can look this over in more detail when I have more time. --- https://imgur.com/Su4g5 https://imgur.com/21DiJ <cite>Sexypwnstar posted [p:930659317] in What's a g... [t:78190611]...</cite> <quote>Gonna bump this so I can look this over in more detail when I have more time.</quote> ... Copied to Clipboard!
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Current Events > What's a good first Credit Card? (+) Yeah! (+)

Current Events > What's a good first Credit Card?