I'm looking to get my first credit card can anyone give me advice or thoughts on the best company to start with?Also I'm not really looking into the prepaid ones,thank you|||New Federal rules passed in February of 2010 will make it nearly impossible for anyone under 21 to get a credit card. You will need a parent to co-sign with you.
IF you get one - pay in full each month.
Not the minimum, not more than the minimum, in full.
Carrying balances and paying interest only can destroy credit and your life.
Are you over 21?
Go to where you have your checking account online and apply.
You are established with them and your chances will be greater.
Just look for any card without an annual fee.
And forget about APR - you'll never pay it if you pay in full each month for those top scores.
Also consider Citi, Discover, Bank of America and Capital One.
You must have a checking account for one year first.
Sounds like you don't - since you don't have a debit card...
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