Q&A: credit cards?
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Q&A: credit cards?

Question by margarito209: credit cards?
is there any credit cards that you qualify for once u turn 18 and dont have any acounts in ur credit history? because im trying to build my credit score… please let me know any store that gives u credit card. thanks!!!

Best answer:

Answer by Jeremy P
I would recommend avoiding ‘store’ credit cards altogether. They usually have extremely high interest rates (23.99%-29.99%) and other hidden fees. You might want to consider a credit card for people with poor / no credit here:

http://www.asapcreditcard.com/unsecured-offers.html

While these offers tend to have higher interest rates and additional fees when compare to ‘standard’ credit cards– you’ll pay much less than a store credit card. Plus, they’ll give you the chance to prove your creditworthiness and improve your credit score.

Eventually… with regular, on-time payments– you’ll be able to apply for better offers with lower APR’s and less fees.

Hope this helps. GOOD LUCK!

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Comment (2)

  • “Get a Rewards credit card. Reward credit cards reward you when you spend on the credit card. Normally, you can collect rewards through 3 ways.

    * It involves earning cash back on the card, it depends on the amount you spend.
    * Next one involves giving points to the customers. They can be redeemed for gifts like cosmetics, shoes, water heater, mobiles and other goodies which the credit card company offers.
    * The last method of reward is providing airmiles. Airmiles are highly popular reward, as many customers like to redeem them for free flights or flight upgrades. Whatever type of reward credit card you opt for, carefully note the amount or rate at which rewards will accrue and also read carefully other terms and conditions.

  • abel jarrod - April 29, 2014

    A guaranteed approval credit card are often used by those who have a bad credit history and are unable to obtain a normal credit card. But a great benefit of these types of cards is that will help to improve your credit rating as well as providing you with the benefits that a normal credit card has to offer. Often the limit for these types of cards will generally range between $ 5,000 and $ 10,000.

    When applying for a guaranteed approval credit card usually no credit checks are required. However, although you will be approved for such a card regardless of your income or credit history generally they will have higher interest rates compared to normal credit cards.