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ask your bank about a secured credit card. all major banks offer them, and probably most smaller banks. you open a savings acct, with say $500 in it, the bank issues you a credit card with that limit on it. they are protected because if you default they already have the money to pay off the charges. most banks do require an amount over the limit (ie 625 for a 500 limit).
it is a way to get you started, and as you show credit worthiness, more offers will come in. be careful of falling into trap of paying fees to get credit cards from companies that will approve anyone. you should not have to pay an "approval fee" to get a card, those are usually scams.
gas and store charge cards are a way to get some credit, but their interest rates are usually much higher, and they don't do as much to improve your credit rating vs. a charge card.
you are correct in that you need to have credit in order to get it, just be careful in how you use it, remember it's a loan, not free money which lots of people think it is lol. hope this helps. mark :-)
posted by 161.213.7...
Posts in this Thread:
- Lawyers' advice requested..., Clay McNeely , Tue, 24 Aug 2004 09:20:55
- Re: Lawyers' advice requested..., Sam (Merc Mechanic), Wed, 25 Aug 2004 09:38:22
- go west young man. go west.., chrisx, Tue, 24 Aug 2004 22:45:37
- Trade you..., Greg W, Tue, 24 Aug 2004 12:59:51
- Re: Lawyers' advice requested... (car rental), Dan , Tue, 24 Aug 2004 10:29:34
- Yes, young people are treated inferiorly, awg, Tue, 24 Aug 2004 10:19:19
- clay, regarding credit card..., baggsly , Tue, 24 Aug 2004 10:17:36 <-- Viewing This Message
- parent/kids credit cards?, JimBlake , Tue, 24 Aug 2004 14:04:03
- Clay, if you work for a company that has company cards, Noel, Tue, 24 Aug 2004 11:50:13
- Thanks for the suggestions..., Clay McNeely , Tue, 24 Aug 2004 10:23:58
- Re: Lawyers' advice requested..., Dean, Tue, 24 Aug 2004 09:35:49
- Do you have a credit card? >, ChipJ, Tue, 24 Aug 2004 09:28:50
- Working on it..., Clay McNeely , Tue, 24 Aug 2004 09:42:23
- on establishing credit history, Pierre, Wed, 25 Aug 2004 08:12:05
- student CC if you are planning on going to school, steveC, Tue, 24 Aug 2004 10:13:40
- Gasoline Credit card, Store's Card (i.e. Sears), etc., Bill Homer , Tue, 24 Aug 2004 09:48:51
- although many car companies will not rent unless +25 >, prodigal son, Tue, 24 Aug 2004 09:38:30
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