Good Credit Cards for 18-year-old?

My Mom helps me pay the Capital One credit card that I have, which has a limit of 300.00, which is%26#039;nt that much. But, I have heard bad reviews about them, so I am thinking about switching to Citi Credit Card, where their APR will be lower, and my limit will be a little higher. I am not asking for a credit limit of 15000 dollars, but at least a decent one, like 1,000 or 2,000 dollars. Please, what is a good credit card for an 18-year-old whose mother helps her pay her credit card, and with low APRs and a nice credit line? Also, I will be going to college in the Spring of 2008?

Thanks

Good Credit Cards for 18-year-old?

The credit card landscape is filled with sharks, fine print, and unfulfilled promises. Additionally, what works well for one person may not work well for another. Any discussion of what would be the best card for you would require some dialogue back and forth, with questions about what is most important to you: rewards? Low interest rate? No annual fee? Credit limit? Etc. The choice is not always obvious. I control my spending such that I use my rewards card for absolutely everything, and then I pay it in full the day before it is due -- so I get rewards points for things I used to pay cash for, but I also don%26#039;t care about the interest rate because I never pay interest. A friend of mine takes this strategy a step further, and pays a $15 a year annual fee in order to get even more points on his purchases. The $15 is insignificant compared to the increase in his rewards points over no-fee cards. So, there are many things to consider, and not just rewards. One thing I can say is that I would not recommend a regular American Express to someone just starting out: they are not revolving charge cards (they are due at the end of each month), and they have no limit, so one can get oneself in trouble with them quickly. They are also not accepted at as many places as Visa/MC.

All that said, if your mom owns her own business, she is probably very money-savvy. I would sit down and discuss this thoroughly with her. Even the most well-meaning person can get into trouble with a bad card (high rates, lots of fine print, etc.), and once you%26#039;ve dinged your credit, it takes a long time to rebuild.

By the way, rates ARE negotiable. After you%26#039;ve established yourself with a card and your credit score grows, call them up about once a year and ask them for a better rate or threaten to switch cards. It works.

Good Credit Cards for 18-year-old?

Disney Credit Card

Good Credit Cards for 18-year-old?

Your mum is too soft!!!!!!!!!!

Good Credit Cards for 18-year-old?

I have a chase mastercard. There is no interest on it for 1 full year, and my limit started out at 1,000, and after 6 months, they bumped me up to 1,500.

Good Credit Cards for 18-year-old?

amazon.com visa credit card is good for students because you get $30 off your first amazon purchase and each time you use it you get points redeemable towards amazon.com purchases-which is good for students because they sell really cheap textbooks. they also have a lower APR then capital one, i think like 14%-ish.

Good Credit Cards for 18-year-old?

First off, if your mom has to help you pay your card on a $300 limit, you may want to reconsider switching to a card with a higher balance.

If you feel that you must get a new card, do your homework. I have a Citibank card and have had good luck with it for over 20 years! I also have a Chase card, and have been happy with it thus far.

Good Credit Cards for 18-year-old?

Amazon ,visa, master card are good cards . There is one more type know as student card. You can search on google to find if any other alternatives is there.

To know more you can visit

http://creditcardbiz.blogspot.com

and

http://onlinepaymentoption.blogspot.com

Good Credit Cards for 18-year-old?

Citi庐 Bronze庐/AAdvantage庐 MasterCard庐is by far the most widely used card. It is essential for regular travelers with average credit. Its reward program gives you an additional mile per $2 spent on the card. You can collect up to 25,000 miles annually, and can be redeemed for flights on partner airlines, hotel accommodations throughout the world, and car rentals. Additional benefits are: zero liability for unauthorized transactions, travel accident insurance and various Internet account associated services. The card does not charge any annual fee. But the drawback is the minimum APR cap for cash advances, set at 19.99%.

The other popular card is the Citi庐 mtvU鈩?Platinum Select庐 Visa庐 Card. It is specifically targeted towards college students. There is no minimum income level needed to get the card. But it has a minimum APR for cash advances of 19.99%. The card does not charge any annual fee and offers a minimum credit limit of $500. The most interesting aspect of this card is that you get a point for general purchase and each dollar spent at restaurants, movie theaters, record stores, bookstores, and video rentals, gives you 5 points.