It’s my first time ever even wanting a credit card so can you help me?
Answered on Friday, September 24th, 2010 by
Amy Miller

If you have never had a credit card, you probably have no or little credit history, and offers most suitable for you can be found on the page with credit cards for no credit.
A good option for someone establishing credit history is a secured credit card. There is a cash deposit required for approval, it serves as a guarantee that the bank gets repaid, and the credit line often equals this deposit. As a rule secured cards are less expensive and have lower interest rates compared to unsecured credit cards for no credit. No credit check is a common policy for secured credit cards as well, and this is a great benefit for people with limited history.
Before you apply, make sure to compare interest rates, activation, annual and other fees to choose the most beneficial offer for you. Some credit cards for limited credit may offer rewards for card purchases. Know where you usually spend money and how much, read the program rules and then decide if you usually spend enough to earn rewards and make this card worth having. Know your needs, your spending habits and decide what credit card is best for you.
And remember that it starts with choosing the right credit card and then continues with the wise management of it. Making payments on time and staying below credit limits are essential if you intend to establish good credit history.

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You can choose one of the credit cards for limited credit to make your credit profile better. Or you can consider secured credit card. Some card offers have no annual fee and pretty nice rewards programs. Thus, you may save more money than spent on the security deposit. For example, you can apply for the […]

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You can apply for a secured credit card like the Discover it Secured Card, you won’t pay annual fee at all, and interests rate on purchases will be 0% for 6 months (this card comes with 6-months 0% introductory period). Just remember that go to APR will apply when the introductory period is over. Also, […]

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