What credit card will approve me? I'm 18 and no credit and I know the best way to

I'm 18 and no credit and I know the best way to start credit is next to a credit card.Now I want one the has a low and probably fixed APR rate and that have no annual fee.So what credit cards are nearby that will approve me as well as administer me what I want? You're not going to gain the best deal right out of the slot, so to speak. You'll probably own to settle for a low-limit, high-rate card at first until you build up a good wage history. It takes time.

Most will approve but more close to none will give you the row of credit or the low APR you are looking for... But check around and at least apply. Worth a shot..

As much as i know,this is a interrogate with different answers,it is really depend on yourself judgement,some great resource her for citation though. http://creditcard.online-supporthome.inf...

Does your ridge or credit union proposal a student credit card?

My credit union give me my first credit card.
The Golden 1 Credit Union.

I didn't have an annual allowance with my card.

First off I would recommend (if you haven't) checking out a book call The Total Money Make Over by Dave Ramsey. It busts some of the myths of credit and people's beliefs that you have to build up a illustrious FICO score surrounded by order to sort it in today's world. He (along beside myself) recommend not borrowing money, except for a home purchase.

IF you are going to use debt then you would probably want to start out beside a secured credit card. What you do is make a payment deposit, and the deposit becomes your credit cut-off date. You use it as you would a regular, unsecured credit card. If you make your payments in good time it can eventually be upgraded to an unsecured credit card. The security deposit is in that if you ever default on the payments. However, here are usually annual fees associated with these types of cards.

What I would recommend you do to build a solid credit history is create a profile beside PRBC.com. They are an alternate credit reporting bureau. If you are making payments for rent, utilities, cable, cell phone, electricity, water, etc. later PRBC will allow you to have those on-time payments compiled contained by to a report that lenders can look at to determine your worthiness to borrow money. So I recommend staying from debt because you don't need it surrounded by order to build a solid history of on-time payments.

I work within the credit card industry manually reviewing reports to either approve or deny credit to individuals that apply, so I would have firsthand wisdom of what you're looking for.

The ideal card would be one next to NO annual fee, a 0% introductory and low (10.99%/max) APR, benefits program, and soaring starting credit limit. If you don't hold much of a credit history, it will be much harder to try to get cards close to this. What I would suggest would be to check where you do your bank to see if they offer what's call a "secured" credit card. These work pretty much the same as a regular card solitary that a security deposit which is used as collateral is placed upfront to determine the credit impede. For example, if you deposit $300, then you could purchase up to $300, and pay envelope back $300. The deposit is used for collateral individual when the account is sent to collections, but if you reward on time, usually after a year it's given support to you. 2 main benefits to secured cards is that it distribute you more control over the credit limit by adding up to the deposit, and the deposit is sometimes linked to a reserves account, which earn interest while you're building credit, so it's just not sitting here. The more you add to the deposit, the high the limit, the better your ranking will get becuase 30% of your evaluation counts on how much credit you have to what you're using. 2 more benefits from secured cards is that by you putting up the deposit next to your own money, it makes you more disciplined surrounded by managing the card, especially since the deposit would be at stake, and it also helps to start up an emergency fund when you acquire the deposit back subsequently on.

I also want you to be aware of some cards out there that target citizens that have trouble getting approved for credit, or trying to do from scratch their credit. These cards are easy to get hold of, but they're loaded with undetected fees that are charged which reduce your available credit and exit you with a bill to remuneration before you even achieve the card in the correspondence. Tribute, First Premier, and New Millenium are prime examples of this.

I posted several links to some secured card companies that I think would work out ok.

well-mannered luck!
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