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01-31-2006, 12:19 AM
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Credit Cards
i need to get a good credit card. its my first one and i only need like 1000 max. dont need to much.
i just wanted to get your guys opinion on which company is good with no annual fees and such. i heard that chase was good but not sure 
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01-31-2006, 05:05 AM
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chase is a good card make sure its a visa or mastercard card though and you could possibly even try to get a student credit card but im not sure how much the will give you.
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wounds will heal scars are forever..
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01-31-2006, 06:34 AM
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get one from your bank, they will give you the best offer
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ryanbodybuilder is a fake person..just here for entertainment..... If you don't like me thats fine, I call em like I see em....
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01-31-2006, 10:23 AM
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Stay away from them.. they are the tools of an evil empire.
Well actually, I'd like one, but no bank in thier right mind will agree to give me one.... at least for another 3 or 4 years. 
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Pause Squats - 345 x 5, June 6 2006 Deadlift - 505 x 4, June 1 2006 BB Bench - 340 x 1, March 15th 2006
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01-31-2006, 10:31 AM
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i love my CC...safer/smarter than cash if you know how to use it.....i actually just cancelled my visa and just have a MC now.
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01-31-2006, 10:54 AM
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how old are you?? do you know what your credit score is??? if this is your first one, i would assume that you really dont have much credit at all. if that is the case, you will be lucky to get a card with a $500 limit, yes lucky. if you dont have good credit (NO CREDIT IS BAD CREDIT) than a good company which is well-known for giving beginners a good card is CapitalOne. you can apply for one on-line at www.capitalone.com good luck, answer some of my questions so others might have some better advice based on your stats...
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save a doughnut, kill a C*P CHECK OUT ALL MY FUNNY PICS @ HTTP://DANNYMACK81.MULTIPLY.COM
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01-31-2006, 11:09 AM
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1000 dollar limit is pretty easy assuming you have a regular job, and no obvioius bad credit history. Everyone I know all got there first credit card in college... they use to set up a booth not far from the main doors, around the start of each year to sign up all the new arrivals each year.
Just go to your bank.. the same one you have been dealing with all your life.. if you have a job, I'm sure they won't have a problem approving you... and if you only get 500, you can ask to have that bumped up pretty quickly over the phone. As long as you make payments regularly, they will actually want to give you more credit, and hope that your a sucker that likes to carry a large balance. Thats how they make the big bucks. There only concern is that you make enough to continue the payments.
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Pause Squats - 345 x 5, June 6 2006 Deadlift - 505 x 4, June 1 2006 BB Bench - 340 x 1, March 15th 2006
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01-31-2006, 12:13 PM
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all i have to say is i have seen way to many people is serious credit card debt. be smart with your money, and only use your credit card if you already have the money, just not on hand. I have chosen to actually use my credit card, and put away my cash specifically to pay my credit cards, and have always made my payments on time. My credit score is not too bad for 19 yrs. (about 650). I have had it planned that i can continuously build my credit score so when the time comes, i can get into a house and a car. Debt sucks, stay out of debt. Credit cards can be the biggest stress in your life. be smart.
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6'2" 223lbs 12% BF
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01-31-2006, 02:45 PM
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your 19???? i thought you where older.... anywho, im 24 and my score is 719, and ive had a bunch of hospital billz fuuck me up, i dont think ill ever pay them, lol...
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save a doughnut, kill a C*P CHECK OUT ALL MY FUNNY PICS @ HTTP://DANNYMACK81.MULTIPLY.COM
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02-01-2006, 12:30 AM
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ya i just got one from chase. ive had other credit cards just never under on my own. i was always under someone else.
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02-01-2006, 07:28 AM
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[quote=Poobah]Stay away from them.. they are the tools of an evil empire.
I totally agree with this!! I just refinanced my house to pay off 20,000.00 in credit card debt!!! Yes I spent the money it was my fault, all I'm saying is its real easy to charge it when you only have to pay a little back at a time but it adds up quick.
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02-01-2006, 07:38 AM
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Get a Visa of Mastercard, take the limit they give you. Then be a "scab", the credit card companies name for people who always keep no balance on their credit card by paying every month the ENTIRE balance! You never get in trouble that way, always have enough cash every month to pay your entire credit card bill off, and yea the credit card companies hate you for it.
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02-01-2006, 11:55 AM
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My favorite credit card company is Discover.
Whatever you do, stay away from any cards by CitiBank!!!!!!  They are horrible and never want to work with you if you need help.
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TEAM 7 MOTOROLA
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02-01-2006, 01:58 PM
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02-01-2006, 02:05 PM
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scab, eh? lol
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02-01-2006, 08:10 PM
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The best way to go is cash . Credit cards just gets you in trouble...don't get one
__________________
Only YOU can make a difference in how you look... ..Get the HECK out there and DO IT!!DO IT!!
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02-02-2006, 08:24 AM
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Linear Mode
