Which credit card is best for me? I'm an 18 year old college student beside virtually no real credit

I'm an 18 year old college student beside virtually no real credit history who desires to build up my credit fast. I variety about $600 a month and something like $400 of that goes to bills. Which credit card is best for me at this time and why?

When I be in College I get one from Commerce Bank they have offer for college students. It was a great card to build credit beside.

I know someone who had trouble beside Bank of America raising his rates once he built a symmetry. So unless you intend to pay the full symmetry every month. I would steer clear of them!

Neither, they both suck your ridge account dry.

credit cards really suck any of them. you will soon find out. but you can ask your sandbank for one if you really want one,

Just trademark sure whatever you do... Do not buy something you can not afford. Please do some online research! If you dance to VISA or Mastercard online-they have tons of cards to choose from. They also provide bits about whom they are for. Good luck!

None of them. Credit Cards are the plague of prosperity. If whomever you're dealing with requires a credit card, consequently they're part of the national dept problem. Deal with the sole purpose in brass.

one that has the lowest long possession interest rate...

one near a $o credit limit. Believe me, it is a trap. I own had credit since I be out of high shcool and I can't gather any money.
why should I save money at .04% a year when I owe money at 18% a year?

Get a debit card at a edge. that way it is your money. It is safer than bread but at the end of the morning you owe no one.

I think you should pop in www.bankofamerica.com to see more information about credit card, they available some option for student like you!

capitalone.com

A basic Visa , near a credit limit of one and only 300 or 500 . So if you use it , you well be capable of pay it bad . Keep it for emergencies , resembling if your car breaks down, or you entail a new paper book or whatever . But use itsometimes , only buy like 50 bucks worth of stuff every very soon and then , it very well build your credit . If you dont use your card , your credit well never grow , lately dont use it on clothes and dumb crap , trust me . You think your struggling immediately with money , linger tell your surrounded by debt with credit card s

Discover own some cards with 0% intro apr and some reward programs approaching 5% and 1% cash put a bet on on certain purchase. To repair your credit shift for low apr card and pay the bills in good time it will help.
To know more you can drop by
http://www.creditcardbiz.blogspot.com...

I would read aloud none. You only own $200 of disposable income. A credit card would make it too trouble-free for you to over spend. People really do not need adjectives the things we purchase. But if you are looking for one to truly be for emergencies next I would look for one with the lowest interest rate possible. There are profusely of credit card offers that are aimed specifically at college students but they convey hefty interest rate of 21%. Which means that on an annual cause you will be paying about 1/5 of the amount you borrowed. So if you get a $100 balance consequently in interest you would payment $21. Hope that helps.

Get a debit card at your dune.
You will only know how to take out the money you put within and keep you out of trouble. And establish your credit.

honestly there is no devout credit card to have unless you can income it off contained by full every month. this is a must. and if you can't then you are stuck. if you do choose one breed sure it is unsecured, no annual fee, no monthly levy, 0% for the first 6 months at least and not over voice 9% apr after that. if you don't have luck stick to change and don't take some soaring interest eye gouging rate.

Answers:
Here is the problem near these answers.these folks probably talking from their own personal experiences. They have a credit card early on...screwed up..

So smoothly every young student is going to be as stupid as they are. Don't step it! Big mistake! Credit is evil!

NONSENSE!

It's important for childlike people to start establishing a credit history.

Many companies are beginning to grant student some special deals on cards. Check this one out:

NOTE: This is not spam...I own nothing to do next to any of the sights I post sources to.I simply pass out angelic information.

http://www.1fbusa.com/

Take this bank for example. 1st Financial Bank is offering students a credit card operation..

You are given a card with with the sole purpose a $250 credit limit. You payment 0% interest on the first $250, and if you go over this amount you retribution (I think) 18%. You only hold to pay the minimum and wage on time, and the 0% interest stays.

The company reports to adjectives three credit agencies so you will establish a credit rating. Over time they will gradually increase your credit contain, if you have rewarded on time and don't run over your precincts.

This sort of deal would be unflawed for you, but I don't know if it's available to everyone or just through their promotional programs. You would own to contact them.

If not, look around. Other banks are offering student cards. Just don't gain crazy with them! Pay in good time and you will quickly establish a credit history.

You might find a rugged time in locating a CC company that will nick you on without paying a deposit up front and also an annual charge.

Because you have no credit history you will find a illustrious rate of interest.

I once reestablished my credit by opening a edge account and surrounded by your case I would deposit $100. a month and when you enjoy saved $1000. Then ask your edge for a loan on your account.

That is the minimum amount that a wall will give you a loan.

I would pay packet back that loan on the dot and you are on your way to establishing angelic credit.

And then I would find other ways of purchasing things fairly than using a Credit Card. They are bad communication and encourage over spending.

There are literally millions of associates over their heads surrounded by debt
because of over use of Credit Cards.

Stay away from them! GOOD LUCK!

The one you can easily cut surrounded by pieces.

look into student credit cards with cashback bonuses... they should adjectives have 0 annual levy and no requirement of credit, you might find this helpful

http://collegesoup.net/financials/studen...

Hi.
There is a great credit card company on this site:
http://qurl.com/ksh9f

You should get a worthy student rewards credit card, funnel most of your normal spending through it (including your bills if possible), and reward off your statement go together in full respectively month.

That way you'll build your credit, avoid interest, and earn rewards.

The one and only question afterwards is which student rewards card will pay you the most for your middle-of-the-road spending profile (i.e. how much you spend on groceries, gas, restaurants, etc.). To quickly determine which credit card will pay cheque you the most, you can use this rewards calculator for student credit cards:
http://www.creditcardtuneup.com/?card_ty...

One of the best student rewards cards is the Citi mtvU card. Another good one is the Citi Driver's Edge for Students. But they're angelic for very different spending profiles, so permit the calculator help you digit out which one would be best for you.

There has other been a debate roughly which of the two viz. the prepaid card or the credit card is better? Though each one of them have a range of benefits and a huge admirer following, but here we present a case for prepaid credit cards. Here we will look how a prepaid card score over credit cards especially if the owner has a not so immaculate credit history.

The rejection is non existent in overnight case of prepaid credit cards, there are no credit checks, no employment validation, and approval is guaranteed.

With a bit of dilligent shopping and comparision of various prepaid credit card offer, it is not difficult to find a prepaid card with no annual fees, no overdue payment fees, no repayments, and no penalty whatsoever. So, the ownership costs of a prepaid card can be negligible.

With prepaid cards it is incredibly easy to promote financial discipline. Since you can solitary spend what you have, in that is no overspending, and hence no debts. Apply onle at: http://www.credit-card-gallery.com/prepa...