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Apply First Credit Card

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Jesus Said:

I just turned 18. Have a job. What credit card should I apply for as my first? I need to build up my credit.?

We Answered:

A prepaid card scores over credit cards especially if the owner has a not so perfect credit history.

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

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

With prepaid cards it is very easy to promote financial discipline. Since you can only spend what you have, there is no overspending, and hence no debts.

Some prepaid cards do report their use to major credit bureaus and hence are a good instrument to rebuild credit history.

Prepaid cards have wide acceptablility, and in some cases they are even more readily accepted than credit cards. Apply online at : http://www.credit-card-gallery.com/PrePa…

Sara Said:

How can I apply for the Amazon credit card that saves you $30 on first purchase?

We Answered:

I would try deleting your cookies, then trying again

Tools-Internet Options-Delete-Delete Cookies

If that doesn't work, you may have to create a new Amazon account to take advantage of the $30 off.

If that doesn't work, try going through Chase's site where you only get 1,500 points, or $15.

Kelly Said:

When did you apply for your Second Credit Card after having your first one?

We Answered:

Six months is the mark.
When you get a credit card it lowers your rating for 6 months.
It is considered new credit.
So enjoy your new card.

Remember you can easily get top 800+ scores by using credit wisely.
Pay in full each month - you never pay interest this way.
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