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Request: Looking for a good beginner's credit card...

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#1 Unlizened RAVe

Unlizened RAVe

Posted 22 June 2009 - 05:38 PM

OK, I've never had a credit card before, nor have I ever financed anything. I was wondering if anyone knew of a good credit card I could apply for that is good for people with no credit (like me), hopefully with a reasonable rate. I applied for the Wal-Mart credit card and the Musician's Friend financing, and got rejected for a lack of credit history. Can anyone help?

#2 controlcommerce


    My Sega CD broke

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Posted 22 June 2009 - 05:46 PM

Are you a student? Most places will auto-approve if your one. They want to get you young.

My first (and only) card is a capital one. No interest for a year and started at a $500 limit. Try them. But stop applying for a while if you get shot down again. It's bad on your credit history if you keep applying.

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#3 kaw


    Want some rye?

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Posted 22 June 2009 - 06:02 PM

Try your local bank or credit union. Get set up with a savings and checking account, and they should also be able to offer you a credit card of some sort (Visa or MasterCard). And remember, the best credit card is the one you pay off every month.

#4 mtxbass1


    This space for rent.

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Posted 22 June 2009 - 06:16 PM

I'd read through this thread.

http://www.cheapassg...dit card thread