What's the best way to get a credit card

Discussion in 'Et Cetera, Et Cetera' started by B_Fire-3, Jan 28, 2008.

  1. B_Fire-3

    B_Fire-3 New Member

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    I want a credit card. I guess I'd like one that gives me free money every time I buy gas or something, if such a card exists. Or something along those lines. Should I apply for one via the internet somehow, go to a bank?
     
  2. swordfishME

    swordfishME Member

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    You can walk into any bank and talk to customer service. Of course it all depends on your age, where you live and your income levels. But if these are somewhat solid, you should not have any problems getting one. Check with them about their cashback bonus schemes.
     
  3. DC_DEEP

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    Do you have a bank account? If you don't, I would not recommend getting a credit card.

    If you do, talk to you bank's customer service, they can help you out.

    I also would recommend againt getting through a mass-mailing advert, or most especially, NOT THROUGH THE INTERNET. If you do that, you are just begging to have your identity stolen.
     
  4. B_Fire-3

    B_Fire-3 New Member

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    I just basically need it to buy cool shit on e-bay and solicit whores through the internet.
     
  5. Mem

    Mem
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    If you are young the easiest to get are store credit cards such as JC Penney. I've never got one from a bank that I have an account at, after keeping good credit I got many offers in the mail.

    No card gives you "free money", some do give you free gas rebates or earned points.

    Discover gives you money back, but it is 1% or less.

    Don't get a card with a yearly fee.

    Some cards earn you points for free items, or airline miles.
     
  6. B_Fire-3

    B_Fire-3 New Member

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    Wow, a decent reply! Is there an alternative to JCpenny though? I really despise the smell of that store, and the crappy nautica clothing and lee jeans. Its proximity to my house was pretty much the basis of my uber-unfashionability for the first decade+ of my life.
     
  7. Mem

    Mem
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    Yes any department store that has it's own card (Macy's Nordstrom, Etc.) They are not Master-Cards or Visa so you can not use it anywhere, but it is a good place to start to get good credit.
     
  8. B_Fire-3

    B_Fire-3 New Member

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    oh. that's terrible then. I already have a credit card through my bank, I just want another one.
     
  9. SpoiledPrincess

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    If you're young and this is your first card don't be tempted into store cards, before you know it you'll be up to your neck in debt. Go for a debit card instead of a credit card then you can only spend money you have.
     
  10. B_Fire-3

    B_Fire-3 New Member

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    I'm not exactly a fixture at the local mall.
     
  11. SpoiledPrincess

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    But you do mention you'll be using it on the net, it's very easy to get carried away with a credit card, particularly if it's your first one.
     
  12. B_Fire-3

    B_Fire-3 New Member

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    I already have a credit card. I want another one for illicit purchases and rewards.
     
  13. Mem

    Mem
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    Try Buy.com or Amazon.com, they both offer credit cards. Sometimes they give you $30 off of your first purchase. You can also ear points by using the card to earn free items.

    I have good credit so I got instant credit from them.

    You can get a credit card on line if it is from a trusted site.
     
  14. dong20

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    I recommend the compassion and distraction method.:cool:

    No wait, do you mean you want one with your name on it?:tongue:
     
  15. DC_DEEP

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    Thanks, ass-wipe.
     
  16. eaglespga88

    eaglespga88 New Member

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    go to capitalone.com and build your own card. You get to pick your limit, your rewards, your yearly fee or lack of one..and your own picture. Ive had them for a while now and can not complain. Just searc capital one card lab and it should take you right there.
     
  17. MASSIVEPKGO_CHUCK

    MASSIVEPKGO_CHUCK Well-Known Member

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    My best suggestion is- go find a drug store like WALGREENS,CVS, and look for the Greendot Visa or Mastercard.
    It's a prepaid credit card that you have to apply money to, that way you won't get crazy on it, and no billing.

    But if you really want the real deal, get your financials in order, check your own credit history, and make sure your bank account's nice and healthy.
    Oh, and watch out for the special introductory rates.
     
  18. D_Fiona_Farvel

    D_Fiona_Farvel Account Disabled

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    Chase freedom and discover open road both have good rewards.
    Discover was difficult to get though, they didn't approve me until I was 26. Chase was easy. If you have really good credit and income; try for Amex cash.
     
  19. earllogjam

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    Get a job, the kind that your income can be verified. Paying your bills on time also will help.

    Most credit card companies will jump at the chance at earning 18% interest on your debt so I wouldn't worry about qualifying. They will adjust your spending limit accordingly. I remember my first one had a $500 limit as a college student.
     
  20. Whopper-lee

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    Go to the bank...allow your bank card double as a debit & credit card...safer also because you have a secret personal pen #... & in some cases we do & can get credit reward pts when used at certain store & purchases.
    I personally would never use the internet for this service to get a credit credit card...be wise be safe.
     
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