Applying for a credit card? I want to apply for a credit card to establish good credit.

I want to apply for a credit card to establish good credit. I am young-looking, have plenty of money to rate my bills, and only want one for the SOLE purpose of building credit. There's no want to tell me it's a fruitless idea---I am not materialistic and I have see people my age develop condition problems from credit card debt. Don't worry, that won't be my narrow road. All I want to know is which companies are the worst and which are the best for a first timer!

My ancestral has be in this business for a while. You stipulation to get a minimum of 3 credit cards to build your credit. You don't inevitability to actually use any of them...simply get them and hold on to them. Another big knob is to NOT cancel them. The longer an tale is open and within good standing, the better your credit is. One final thing...do not find a department store card or gas card or bank card to build credit as these don't really count for anything. You call for real credit cards close to ones from Citibank and Chase. In the long run they will also help you out the most (if you hold a Chase card for a while, it will even help to get hold of you a better rate on a house mortgage). Anyways, hope this helps. Good luck!

I've never seen any that own been conspicuously bad for current credit applicants. I've had personal experience near Discover and Capital One and both have approved someone next to no credit history of their own. Even if they only approve you for a few hundred dollars, it will be appropriate to use it for a tank full of gas a month or something. Good luck!

Answers:
it's NOT a bad concept,, don't listen to people who don't know what they are conversation about..

The reply above scare me. You DO need to use them, merely having them doesn't tilt your score.
PAYING BILLS ON TIME does.

If you plan on buying a house, you will want 4 (FOUR) open lines`of credit, preferably amenable for 2 years(24 months)

Check out www.creditcard.com There are plenty of GREAT cards, many are free.
If you want a benefit card to draw from free airline flights or cruises just read the fine print. NCL Cruise lines have a great card, and it's FREE.

As long as you pay your bill within full every month, the interest rate doesn't matter. You will build a biddable credit score over time.

If you don't hold a car loan or any other loans, over time, receive several more cards (known as lines of credit or tradelines)

Get a gas card and a retail store card like Target, Home Depot etc... use them once surrounded by awhile and pay them stale when the bill comes in.. They DO support your score AND count as tradelines.

That's how you build a great credit gain!

To be honest, they can adjectives be bad, but I regard this is a great idea, because NOT have established credit can been see as a negative to creditors too.

I would recommend getting a credit card through your bank.

a department credit card is suitable like walmart it as a visa credit card. i own not had any experience near a bad credit card but the apr percentage must be low

Go to dune and ask them