credit cards?

~*Crys*~:  You can get one from a major department store or threw your bank. You can even try applying on some of the major websites such as capitalone.com visa.com mastercard.com etc.
2007-06-18 13:00:22

GAgirl:  go online to
www.capitalone.com or to
www.chase.com and fill out an online application
if you get approved - then you have a credit card
if you are denied then wait six months an re-apply
I recommend these companies because they are well known
for giving credit cards to first timers (that would be you).
I personally have credit cards from both companies
2007-06-18 13:01:36

Eduardo M:  yes its a good idea to get a credit card, to build you credit card. you shoul look for a credit card with low interest which means youll pay less if you carry a balance on the card.
if you pay your card in full each month you wont pay any interest. some credit card companies like CITI offer credit cards for college students with the lowest interest around.
also look for one with no annual fee if possible. Washington Mutual as well as other banks offer credit cards through their bank. Just make sure you look at the interest rate and any fees in the card. and whatever you do try not to be late on your payments because once that happenst they can charge you astronomical late fees and may even double your current interest rate. but if used responsible a credit card can save you alot of headaches. Also try not to apply for more than one credit card once you have one, because it will lower your credit score
2007-06-18 13:05:21

Roger N:  Don't ever get a department store credit card. The interest rate is outrageous and you can't use it at any other store.
Get one, and ONLY one Visa. It will take a while to get a good interest rate (mine is locked at 9.9% no matter what).
Some cards will hit you with a high interest rate (32% - Citibank) AND a late fee even if you miss the due date by one day. Best is to get a Visa thru a credit union or thru your bank. Your bank will know your history and can do more for you.
2007-06-18 13:07:14

Mrs. Mac:  You should be able to get cards at your bank. You should go and talk to your rep. You may also consider going through a company with good card promotions for their members and obviously, the lower interest rates ( wells fargo and discover are both good cards to have). Make sure that your card is a major credit card because individual store cards don't do anything for you credit wise.
2007-06-18 13:12:23

Succes:  Citi? Bronze?/AAdvantage? MasterCard?is by far the most widely used card. It is essential for regular travelers with average credit. Its reward program gives you an additional mile per $2 spent on the card. You can collect up to 25,000 miles annually, and can be redeemed for flights on partner airlines, hotel accommodations throughout the world, and car rentals. Additional benefits are: zero liability for unauthorized transactions, travel accident insurance and various Internet account associated services. The card does not charge any annual fee. But the drawback is the minimum APR cap for cash advances, set at 19.99%.
2007-06-19 09:07:21

laura4p0:  Make sure to research the terms and conditions of each credit card you are thinking of applying before--carefully before applying. Credit cards may promise you a low APR (finance rate) up front, only to hit you with high rates only a month or two later without any warning because you were "warned" in the terms and conditions. There are hundreds of types of credit cards, many tailored just for students. The best advice I can give is to read the fine print, and then read it again, and before you sign anything, read it again. I found a pretty good website for comparing all of the leading credit card companies and offers (plus some) all on one website. There is a section just for cards tailored for students.

http://Secure.NewCreditApplications.com

Hope this helps...And remember to always be your own best advocate
2007-06-19 14:55:31