What are the best credit card companies? I'm only 20 and I have no credit at adjectives. I don't

I'm only 20 and I have no credit at adjectives. I don't even know how to begin to get credit because my mom never skilled me these things I basically raised myself. Anyway..I'm trying to number 1, return with a car and number 2, apply for a credit card. What are the best companies and what do you look for in their companies? Is the rate supposed to be dignified or low? Just explain to me the positives and negatives about a credit card and explain to me how to attain it. How much usually is your monthly payment? I need adjectives kind of details. First time learner here!

chase. orchard bank

Well I noticed beside HSBC you could get 0% Annual per rates (APR) for the first 6 months. Thats just method no interest for the first 6 months. Thats good because after that its 11.5% APR which means you payment 11.5% interest ontop of what you borrowed. You can find some companies that give like 7% APR. Thats abuot the lowest you will find, contained by england anyway because our interest rates are about 5%. Look for low interest.

Answers:
All things considered the best companies are: Citi, Chase, Discover, and Providian. For a first timer, I'd recommend Providian. Their website is awesome, and gives you access to your credit scoring and a credit profile so you can see how your spending looks and how it's impacting you.

The rate shouldn't be more than 12%. Currently, prime is at an adjectives time high and that's part of what your APR is going to be base off of. If you can get a fixed APR (fixed vehicle not based upon the prime rate) then that's what you want to budge with. Most introductory credit card offers own something like 0% for a year, then something else afterwards.

How to draw from it: apply online at the companies website, or at their customer service number.

Your monthly payment depends upon your balance. Usually the payments per month are no smaller amount than $10 or 2% of your balance (whichever is greater).

You might want to turn here to compare them, and pick one that is right for u.

http://www.bestcreditrates.net