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5/12/2013 3:17:24 AM
2
Questions about getting my first Credit Card.
Ok so I want to get my first credit card but i'm not really sure about how to get one. My savings and checking accounts are under both me and my mothers name, so when I sign up for a credit card will my mom need to sign anything as well? Also i'm so confused about the types of credit cards, like annual fees, interest rates, credit limit, etc.
If anyone has any tips for me about getting a credit card i'd appreciate it. And if it matters at all, i'm 21 and not in school but have a job. I think they'll ask me about that when I apply.
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3 RepliesSince it is your first card, you'll probably be limited in what you can apply for (since your score is probably just getting established). Find one that doesn't have a too high of an interest rate (they all tend to suck) and make a personal plan to try to not carry a balance. In other words, make sure that you can pay it off monthly. That will help to establish and improve your rating and hopefully you can avoid the trap of too large a balance, high rates and only being capable of making the minimum payment. Once you've got a reputation for paying on time, other cards with better rates and/or rewards will start approaching you.
