What is the best credit card for a 17 year old student?

Hi,


I was thinking about getting a credit card, primarily to start building my credit rating. So I was wondering what the best card to get was? I have a steady job making about $1000 a month, and would always pay if off on time. What is the best card to build it up??


Thanks|||You are in USA? You have to be at least 18, and I believe they changed the rules to make it 21. You could possibly get a secured credit card. I would suggest reading about credit before you decide to go and get a credit card. Some recommendations I can give you:





1) Regardless of the credit limit, *only* charge what you can afford. There's little point in charging thousands of dollars knowing you can't pay back.


2) When you get the bill, pay the full balance off. That way, you don't have to pay any interest.


3) Always pay on time. It establishes your credit.


4) If you do carry a balance, (only paying minimum or not paying the full amount off), carry around 1o to 30% of your credit limit. Example: Credit limit is $5000 so you would want to use around $500 to $1500 maximum of your credit limit.





Here are some great resources to read about credit:


http://www.myfico.com


http://www.ftc.gov/credit|||You must be 18 to legally sign contracts. No one will give you a credit card if you are not liable for the terms of the contract, even if you have a co-signer.





When you do turn 18, you will have to provide proof of sufficient income to qualify for the card or have a parent co-sign. You may have to start with a secured card -- you pay a deposit which is held as collateral against the line of credit. It is not as easy to get a credit card as it use to be.





Once you get a card, use it for small purchases and pay the balance in full every month. This will build your credit and avoid interest. Never carry balances.|||The best?





Is to have your parents add you as a secondary card holder. You give them the receipt and they pay for it, but you need to agree with them to pay whatever you charged. This way, your name will be added as 'responsible card holder' when it is your time to open one on your own - and it will show that on your credit report.





Capital One, and Discover are two of the best CC there is. Store %26amp; bank cards have more restrictions and they don't give rewards for spending $$$. The secret is, pay them off with zero balance, no late fees, and you'll do just fine. Charge only what you can afford. No if's and's or but's.|||I don't know if it's the same in the US, but in Canada you have to be at least 18 to get a credit card without parental co-signing. In all honesty, as someone who got a credit card too young, racked it up, increased the limit, kept racking it up, etc. etc., and then was unable to make my payments, card got cancelled, affected my credit rating, and had it take almost 6 years to re-establish my credit, I'd personally suggest a prepaid credit card. Prepaid cards build credit without the risk of getting in over your head. I had all the same intentions as you when I got my card, but it's really easy to rack up a big balance on all those "little" things.





Good luck|||The best way to start developing credit which is a MUST is to get added as an authorized user to one of your parents cards. The US has recently changed the laws to make it more restrictive. You have to prove ability to pay and sometimes your parents have to approve.|||You cannot get a credit card at 17. It is not possible for you to legally enter a contract.



It's really near impossible to get a card until you are 21 now.|||due to new federal laws you can no longer get a credit card until you are 21 year old


sorry if apply you will be declined do to your age|||DON'T EVER GET A CREDIT CARD.





Your life will be much better without it.