How to Get Your First Credit Card
Being new to the credit card game can be a rough one, especially when you have no idea what?s going on in the market. If this seems like you, you?re not alone. Thousands of people like you graduate high school every year and have no idea on where to start to get their first credit card. While it seems like everyone and their brother say that credit is bad, it really isn?t. As long as you use it the right way, you really can take advantage of the rewards I?m going to show you some tips on how you can get your first credit card within a few days.
Start with a student card ? Most college students out there don?t realize that there are cards out there that are designed solely for them. If you?re a college student, you already have an advantage. Why?
Credit card companies love to give out cards to college students because they believe that mommy or daddy will bail them out if they can?t pay their bills off in time. They also believe that a college student Is a little bit more motivated and a little bit smarter when it comes to managing finances. Remember, this is the company ?thinking? this, not myself. If you?re a college student, I highly recommend you try out a student credit card.
Go to a credit union ? No matter what kind of town you live in, I?m sure there?s a credit union or bank nearby that you can check out. If you?re not a student after high school, try going to a bank or credit union to see if you can get approved for their credit card. Most of the times, you?ll be surprised at what they can offer to you when you have no credit. Credit Unions are a great way to get your credit started.
Try a department store- If you don?t like the idea of the first two, try out a department store. Every major department store retailer such as Sears, etc, will carry a credit card that can be used at their store. This card, if you apply for one, will be helpful for you when you?re looking to build credit. Department store cards are a great way to build your credit because they tend to accept just about everyone. Be aware though, if you?re new to the credit world, you?ll probably get a lower credit limit.
There are a few things to remember when you?re applying for your first credit card. Don?t apply for too many cards at once. If you do this, it?s going to hurt your chances of getting potentially approved for that card that would have approved you. If they check out your credit report and see that you tried to open up ten cards, this may look a little suspicious to them. My rule of thumb is to apply for one card and wait for the results. Once you get the results, proceed to the next step depending on what it said. Getting your first credit card isn?t a challenge; instead it should be a learning experience. If you follow the tips above, your first card shouldn?t be a problem!
See all of the first credit cards on the market along with Tom's work at FINDcollegecards.
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