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Credit Card Advice?

August 14th, 2007 at 04:57 am

Today was entirely productive. I attacked my to-do list with gusto, AND made a killing at work. Now for my well-deserved days off... Big Grin

Now, I was considering getting a credit card. I trust myself enough to start building my credit, but all of the cards I've looked at online seem to have outrageous interest rates (22% and up for standard... I dont have enough of a credit history to get premium rates, I feel). Is this usual? I admit I'm a bit ignorant on the subject. Does anyone have a suggestion? I'm with National City bank, and it was the same story with thier cards. I'd like to have a cool cash-back rewards card or something along the same line... Any ideas?

2 Responses to “Credit Card Advice?”

  1. monkeymama Says:
    1187098819

    If you are going to pay it back every month, does it matter?

    Chase Freedom has good cash back (3% gas/groceries) & 1% rest. Plus if you earn $200 you can get $250 (if you wait instead of cashing in sooner).

    I have seen Discover & Am Ex mentioned offered for good rewards.

    I thought logically all the good reward cards charge oodles of interest, but that's easy enough to avoid...

    If you want to carry a balance I don't think reward cards are the way to go overall. You can build credit without carrying a balance though.

  2. katwoman Says:
    1187208659

    AMEX is very easy to get if it's one of your first few cards.

    Since you're still in school look around campus for the application unless they stopped flooding schools with these. Used to be EVERYWHERE on campus.

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