Should I get a credit card? How do you choose the best credit card?
- If you haven't needed a cc up until people have been telling you that you need one, do not worry about it. You really do not 'need' one. The only reason that I got my cc aside to help with my credit score! was for emergiencies - and that was at my hubby's suggestion. I ended up applying for a card through my bank / federal credit union. They will be easier than any other place, especially if you have been with them for a while. Make sure you have NO annual fee. Aside from that, pick and choose
- get one from orchard bank or chase
- do you really need it right now? ask your self that. if you really need to. check this page out tune. in / cc
- Well, let me be the first to tell you that a credit card can be a "safety net" in the event that you're in a crunch in between paychecks, and especially renting cars. Granted, you can use your debit card, but you better have the money on it, becuase credit and debit cards work completely different in that respect. But even if you just make small payments that you pay off in full every month, it is another way to build credit, which you can not build alone just by paying off loans. Credit and the scoring system is designed to where you should show that you can handle different types of credit both installment car, furniture, appliance, personal signature, and mortgages and revolving credit cards and line of credit. An example of a balanced mixture of credit is 3 credit cards 2 major and one department store card and either one paid or currently paying installment account. Now while it is a good thing to have a credit card in the event of emergencies that may come about that could potentially wipe out your checking account if you use that, it is important to know the true meaning of needs vs. wants. Credit cards are not bad, it is the judgement of some people that use them. They easily confuse the 2 and that's where the problems arise. As long as you keep your priorities straight, and use credit like it is supposed to be used, then you should be ok. A credit card you should look for, ideally is one without an annual fee and a low or 0 introductory interest rate. But my advice is to keep the balance no more than 30 percent of your total available credit to minimize the interest anyway. Chase, Bank of America, and Citi all offer fairly good cards I hope this answer helps out, Good luck!
- I use credit cards to build credit and get cash back on purchases. You can get up to 5 percent cash back. If you are interested go here ccvault.com / credit_cards / cash_back.php
- I would highly suggest getting a credit card. If you have been using your debit card to pay for things, consider subs uing with a credit card. Just use your credit card to pay for everything, then write one big check at the end of the month. This is so much easier when it comes to balancing your checkbook. You do not have to keep track of all the stuff you bought with your debit card. You just look at your credit card statement and write one big check, it is easy. The rewards are a great way to get cash back and earn travel miles and things. Some people even put their rent on their card, or have their car loan payments and mortgage payments run throguh their cards before they pay them. This is a huge way to earn rewards points. Cash back is a big enough incentive for me any day. Building good credit is one of the most important things you can do for yourself financially. Remember that. Scroll down to the credit card search area on this webpage: bankrate.com / brm / rate / cc_home. asp That's the best page I know of for finding a card. I would also heavily suggest that you do not use your card to purchase things you do not have the money to pay for. do not carry a balance, and if you do gasp always pay more than the minimum. Remember that credit cards are a way to manage your finances, not a way to go crazy. do not use credit cards to compile more debt. Hope that helps
- you might want to go here to compare them bestcreditrates.net
- The answer is simple: You get the rewards card that pays you the most for *your* normal spending profile. To quickly determine which reward card will pay you the most for your normal spending profile, you can use this rewards calculator: creditcardtuneup.com / Then you can funnel most / all of your normal spending through the card s to build your credit and earn maximal rewards. Just remember to always pay your balance in full every month!
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Knowledge Base: Credit Cards
watch out. only use your credit on big ticket items that you need. cars, houses, college education. credit cards are best when you pay the balance at the end of the month. when you do not want to deal with pennies and nickles in your pocket and you want to (apr credit cards)
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i would not trust those 'freebies" no such thing as free, always a catch. you either pay like everyone else or you do the "free' thing and do whatever the (0 credit cards)
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Knowledge Base: Best Credit Card
im soon to be 18 and am looking to get a credit card to help build credit. my dad said the best thing to do is to just use it to buy gas, but im not really all that up to date on how credit cards work and which ones (best credit card)
i am a college student with no credit but i want to get a credit card. what are some of the best credit cards for students? i am planning to make small purchases and paying them off the next month to build credit. what other ways can i build my (best credit card)
i pay off my balance every month and charge quite a bit, but i get nothing in return for the credit card i currently use. i am thinking of switching and i get offers in the mail everyday. i need anyone with good credit to let me know what you (best credit card)
i just finished college, and work full time. i have a debit card, and building good credit from paying off loans. a lot of people have been telling me to get a credit card, but i wonder if it really is necessary. please give me some good reasons to get (best credit card)
however, you should know that corporate iden ies are now always what is best. loans are understandable. but using a credit card to buy stuff you do not have money for?. david, over these past many years, in talking with numerous individuals about the votes they have cast, and why. (best credit card)
i currently have a bank of america credit card in which i earn no rewards from using. because i am starting to use it more and more, i have decided it is time to switch to a credit card where i can earn rewards. i am wondering if people have (best credit card)
mccain will do his best to keep us safe ofcourse living in this day and time no one is. it is almost like blaming credit card companies for irresponsible card (college loans)
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