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I would like to apply for a credit card, my first one. I just moved in USA, I don't have FICO score but I have a good full time job.
would like t apply for a regular credit card (I'll keep a secured card as a second option) , which one does offer the best rates? any suggestion?
I would like to apply for a credit card, my first one. I just moved in USA, I don't have FICO score but I have a good full time job.
would like t apply for a regular credit card (I'll keep a secured card as a second option) , which one does offer the best rates? any suggestion?
thank you
You should probably go to creditboards.com and go to the credit section and ask your question there.
None. If you can't afford it, don't buy it. Save up until you can afford it. If you need plastic, get a debit card for your bank account.
01-02-2016, 01:27 PM
i7pXFLbhE3gq
n/a posts
Capital One seems to have no trouble giving out cards to people with little or no credit history.
01-02-2016, 01:29 PM
i7pXFLbhE3gq
n/a posts
Quote:
Originally Posted by jbb303
None. If you can't afford it, don't buy it. Save up until you can afford it. If you need plastic, get a debit card for your bank account.
Since when does having a credit card mean someone can't afford what they're buying?
And using your debit card is a recipe for a giant headache. You're one data breach or shady merchant away from having your bank account drained and then having to waste time trying to get your money back, as opposed to simply calling up the CC company and having them reverse the charge.
None. If you can't afford it, don't buy it. Save up until you can afford it. If you need plastic, get a debit card for your bank account.
This is terrible advice, please don't follow it. Having and properly managing revolving credit accounts is paramount in order to have a healthy credit score/report.
Shop different credit cards. Look for 0% introductory APR for at least 12 months, no annual fee. They're out there, and definitely complement it with a secured credit card.
As a poster above said, CapitalOne has no issues giving out CCs (normally MasterCard?) to people with little credit history, I assume you'd fall under that since you're new to the country.
Welcome to the US, by the way
Last edited by fearlessly; 01-02-2016 at 01:57 PM..
Why would you pay someone to do something you can do free of charge on your own, unless you can't afford it? I haven't had a credit card in over 10 years. It hasn't hurt me a bit when I've financed a house or a car. And, yes, there are differences in the protections between credit and debit cards, but they are so inconsequential that it's funny that people act so scared of debit cards. In this day and age of online access, there's no excuse for letting a breach of your debit card go on so long that it is any worse than the same thing happening with a credit card.
Why would you pay someone to do something you can do free of charge on your own, unless you can't afford it? I haven't had a credit card in over 10 years. It hasn't hurt me a bit when I've financed a house or a car. And, yes, there are differences in the protections between credit and debit cards, but they are so inconsequential that it's funny that people act so scared of debit cards. In this day and age of online access, there's no excuse for letting a breach of your debit card go on so long that it is any worse than the same thing happening with a credit card.
I don't pay for any of my credit cards so they don't cost me anything. I pay them off every two weeks and instead of paying them they pay me. Avoiding credit cards just because isn't sound advice. They are a tool and when used properly can improve your credit profile and supply you with additional perks. You are also grossly underplaying the inconvenience a debit card breach can cause. Don't be irrational about the topic
I'm completely rational. The vast majority of the public can't handle credit cards. If you can and avoid paying interest, more power to you. I pay cash (or the equivalent thereof) for everything and I enjoy the same interest free perks without the annual fees and without the hassle of paying another bill every month. What are these dire consequences of a debit card data breach that I'm downplaying?
Capital One seems to have no trouble giving out cards to people with little or no credit history.
B of A seems to do it too.
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