- Oct 6, 2008
- 4,082
- 12
Hey guys, I'm 20 years old and I'm looking to build my credit. what are some good credit card companies I could apply with online?
Credit Cards...
- Thread in 'General' Thread starter Started by dunksnjordans1992,
- Start date
- Jun 1, 2005
- 5,643
- 922
Mastercard is pretty good. The reward points build up fast and fees aren't bad if you're good with money.
- Apr 4, 2006
- 15,869
- 3,509
Start off with a capital one card.
- Mar 15, 2007
- 3,405
- 120
Those vikings are crooks.
da r entertainment
Supporter
- Jul 20, 2002
- 10,469
- 4,597
Agreed. If you're credit is pretty solid then you make want to look @ Chase, Citi, or AMEX credit cards as they are prime lenders.
- Nov 5, 2012
- 13,933
- 6,489
I have a question about credit cards
Is it a MUST to have one?
Is it a MUST to have one?
night marcher01
Banned
- Jan 17, 2006
- 5,383
- 220
There was a thread made a few months ago regarding good credit cards. It has great info in there!
EDIT: Found it! http://niketalk.com/t/503430/help-me-choose-a-credit-card
EDIT: Found it! http://niketalk.com/t/503430/help-me-choose-a-credit-card
- Aug 21, 2012
- 1,042
- 154
No, you really don't need a credit card and you can live a happy life using cash or writing checks, BUT . . . responsibly using a credit card is a great way to build / establish credit so when it comes time to get a loan or buy big ticket items where you can't pay cash / write a check like buying a car, home loan, establish a line of credit to run a business, etc, you can get a better interest rate or just flat out qualify . . .
- Aug 21, 2012
- 1,042
- 154
when i was in college, credit card companies ALWAYS had tables set up around campus letting people apply for credit cards (I had tons of free t-shirts and cups and other cheap swag), so I wound up getting 1 of each card . . . that meant an AMEX, a Visa, an MC and a Discover card.
I rarely carry a balance every month so I like using credit cards for the REWARDS.
For example, I primarily use my AMEX and I Best Buy Rewards Zone Mastercard.
The Best Buy Rewards Zone MC doesn't have the best interest rates, BUT I pay my bill in full every month so they don't take advantage of me. I take advantage of THEM. I use my points to get free video games . . .
I rarely carry a balance every month so I like using credit cards for the REWARDS.
For example, I primarily use my AMEX and I Best Buy Rewards Zone Mastercard.
The Best Buy Rewards Zone MC doesn't have the best interest rates, BUT I pay my bill in full every month so they don't take advantage of me. I take advantage of THEM. I use my points to get free video games . . .
- Oct 24, 2010
- 95,271
- 34,509
if you have no credit, look at a secured card
you put a down payment and get a small line of credit. it reports just like a normal card so within 6-8 months you should have some credit established and they will likely offer you a normal credit card with a higher limit.
- Jul 21, 2012
- 6,384
- 1,053
Rush card 
- Jun 17, 2006
- 44,532
- 2,902
Definitely get a credit card. Just use it for items you can pay in full for the following month when the bill comes in.
- Jan 25, 2003
- 498
- 60
At your age, I'd save up $1,000 and get a secured credit card. It'll teach you how to handle having a credit card.
Having access to a credit card at a young age is like Peter Parker learning how to be Spider man "With great power, comes great responsibility."
Having access to a credit card at a young age is like Peter Parker learning how to be Spider man "With great power, comes great responsibility."
- Oct 31, 2012
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No bueno
- Jul 18, 2012
- 2,043
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Didn't want to make a new thread but decided to bump an old one...
- Applied for like 2-3 cards last summer to get denied because I have no credit (Junior in college)
- Got on my mom's credit card through CapitalOne
- Currently, there's a balance and we've been getting charged interest these past couple months but I've been paying what I spend (just the situation we're in, we're financially stable, just some unexpected purchases)
- All I wanted to know was, can I apply for my own card now or would their have to be no balance? Is my credit history messed up because of this?
- Applied for like 2-3 cards last summer to get denied because I have no credit (Junior in college)
- Got on my mom's credit card through CapitalOne
- Currently, there's a balance and we've been getting charged interest these past couple months but I've been paying what I spend (just the situation we're in, we're financially stable, just some unexpected purchases)
- All I wanted to know was, can I apply for my own card now or would their have to be no balance? Is my credit history messed up because of this?
- May 4, 2011
- 8,444
- 2,145
I don't get it. So you got on your mom's credit card and added on there? How long have you been on her account? If it's been a year what I would suggest is going to the bank and opening up a credit card with your mom as a co-signer or added on there so the bank goes off your mom's credit history to establish a credit line. Build up some credit after a while and then take her off. That's how I did it when I was in high school at least. I'm sure there are different routes to take.
6 Rings G.O.A.T.
Supporter
- Feb 11, 2006
- 144,755
- 132,679
Credit card from bestbuy..
- Oct 24, 2010
- 95,271
- 34,509
if you have no credit or very little credit i doubt best buy is gonna approve you
- Jul 18, 2012
- 2,043
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Almost a year. Will probably do what you said and wait until summer to re-apply. Thanks for the info.
- Sep 22, 2005
- 8,541
- 1,715
Chase Freedom Card
- Feb 15, 2009
- 4,916
- 66
Go with this.
The only thing i like about capital one is their customer service but stay away from them.
- Apr 4, 2006
- 15,869
- 3,509
I think you need some credit before getting a chase freedom card. go with clothing store cards first or capital one
- Jan 3, 2004
- 29,014
- 4,130
Agree with Chase Freedom...
They gave me a nice $300 bonus for signing up - good online layout and app - 1% cash back on everything and 5% cash back promotions on stuff like gas and groceries.
No complaints here.
They gave me a nice $300 bonus for signing up - good online layout and app - 1% cash back on everything and 5% cash back promotions on stuff like gas and groceries.
No complaints here.
- Jan 6, 2007
- 1,428
- 496
Discover, great rewards and serivce, no annual fee
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