2024 Getting first credit card reddit

Getting first credit card reddit

Author: huzf

August undefined, 2024

WebUsing a credit card responsibly helps build your credit score, so you'll be more qualified for other loans later in life. Many cards also offer rewards programs, like 3% cash back on every purchase. So if I use my debit card for a $100 purchase I paid $100, but if I use my credit card, I paid $100 and later get $3 back. WebCiti Custom Cash, which has a 5% category based on your highest spend of the month. The idea is you put everything on it, and it averages out to be somewhere around 2-3% back. …

First Credit Card help - too many Hard inquiries : r/CreditCards

WebOct 15, 2024 · CIP 1/2024 (downgraded to Chase Ink Cash), CIP 1/2024 (downgraded to Chase Ink Cash), CSR 12/2024, Chase Amazon Prime 10/2024, AMEX Blue Cash Preferred 4/2024, Citi Double Cash 12/2015. Enough for most cards, with $15k in three months for CIP probably too much for me right now. If necessary but shouldn't have to. Yes. WebDiscover It Student is imo one of the best cards. Free $20 a year, 10% categories and 2% on everything else, get a referral for another free $50. After the first year get whatever card fits your spend. But he should be a sure thing for the BOA one. They're kind to first timers, ESPECIALLY if you bank with them. spca legacy of love

I have my first credit card! How does it work? : r/internetparents

WebHi Reddit, I’m a 17 yo who’s about to start her first year of college come the end of August. My parents want to get me a credit card (probably a VISA, that’s what my mom & I think my dad & sisters have), but recently I saw a post that ended with Redditors basically shitting on banks and showing love to credit unions. WebFeb 18, 2024 · Chase Sapphire Reserve is a good card if you're able to get the Freedom, Freedom Unlimited, Freedom Flex, Ink cards to get the ultimate rewards points. The Preferred $95 AF, actually has a better sign up bonus right now. 60k UR points vs 50k for Reserve. [deleted] • 2 yr. ago. WebGood afternoon, My Credit Card History: I got my first credit card when I was 19, I went through my bank (Wells Fargo) and paid it off on time all throughout college. [$1,000 limit, 1% cashback] I applied for my second card (an American Express) at 20 to continue my credit building. Instantly approved [$500 limit, 1% rewards] spca huntsville texas

Looking to get your first/ a new credit card? Read this! - Reddit

What Card Should I Get? Weekly Thread - Week of January 05, 2024 - reddit

WebIf worst comes to worst, go to your bank and ask for a secured credit card. You will have to put $500 or $1000 in a special holding account in the event of default. After 1-2 years of … WebI have had credit cards for 17 years and although I made a couple of mistakes when I was very young, I have not had more credit card debt than I could pay off in 1 month in the last 10-12 years. And now, I have stopped using debit cards for transaction and started using credit, as I get rewards and I have better protection if there is an issue. spca in flower moundWebApr 5, 2024 · Why it’s a great first credit card: When you’re first starting in the credit card rewards game, juggling different bonus categories and trying to figure out the best redemption options can be confusing and time-consuming. The Capital One VentureOne makes earning travel rewards much simpler. You’re always getting at least 1.25 Venture ... technoline ws 8007

"WebEnter your details and search. Pick the one you’re most likely to get approved for and looks good to you. For your first card it doesn’t really matter you’ll likely get the same credit limit and interest rate with everyone and you’re unlikely to … " - Getting first credit card reddit

Getting first credit card reddit

Torn between Citi Rewards Card or Mercury Drug Citi Card

WebThe only differences on the student card that I‘m aware of are the ‘good grades’ credit for up to 5 years, and the shorter intro period on no interest. The first year cashback that’s earned will be matched by Discover at the end of that period, so it’ll effectively be a 2%/10% card during that time. WebSo, divide that by 365, and you get the total interest you’d owe per day. So, accumulate interest for 20 days, and you’ll owe an extra 24%*20/365, or about 1.3%. If you have a balance of $500 that’s accumulating interest, and won’t be able to pay it off for 20 days, then you’ll owe $506.58 when you finally pay it off.

Did you know?

Web1.Discover IT student is a great card to kick off the credit journey. If that doesn’t work out, then advise looking into secured card- once approved, you’ll be required to deposit a dollar amount ($200, 500, 1k, 2k) and that will be your credit limit. Think of the deposit as collateral- in case you can’t pay your CC statement balance. WebCREDIT PROFILE. Current credit cards you are the primary account holder of: FICO Scores with source: Experian 765, TransUnion 748 (FICO Score 8 via BECU) Oldest credit card account age with you as primary name on the account: 2 years. Number of personal credit cards approved for in the past 6 months: 0

WebChase Freedom. It was my first card. They have good simple intro offers, rotating categories of benefits and the points transfer to their higher level cards like Chase Sapphire which is one of the best cards out there for travel booking.I recommend after a year or so, have her either add another card too or get her as an authorized user for one of your … WebCiBC divided student visa - I opened this as my first card, walked into the branch and they opened it for me. 0.5 cashback - $500 limit. DUCA/COLLABRIA - I opened this because my entire family is at Duca and it's a credit union I use it as a just in case card since it has low interest rate no cashback - $500 limit.

WebI recently got my first credit card after banking with chase for years. I decided to get the Freedom Flex Card. My credit limit is $1,500. Is that low? Is that normal? Also it said the intro APR would be 0 percent for the first 15 months and on my account it says that the purchasing APR is 28.49 percent is that wrong or normal? WebDec 3, 2024 · Like many legal requirements, age 21 is a key milestone in applying for your first credit card. That's the minimum age to apply on your own unless you can prove you have a steady income. You could ...

Web1 hour ago · 1. Stop spending right now. Stop using your credit cards right now. You cannot pay down your debt if you continue to use your credit cards. Either put them away and resolve not to use them, or ...

WebThe secured card is a credit card where the limit is secured by a deposit in the bank (A secured card with a $500 limit requires $500 in collateral from you). When you charge on the card, it doesn't deduct from that deposit, they only deduct from there if … spca kings countyWebbwc101 • 4 yr. ago. Just like jobs say they want to see x years of experience, but you first need a job in order to gain experience. Many credit card issuers expect to see x months of responsible credit card use, but you first need a credit … spca in moncks cornerWebThree choices sound interesting to me. Fidelity is a good choice for me. I already have a ROTH IRA with them, so it sounds like a good card for long term. I frequently use Amazon, so the Amazon credit card has an interesting Cashback Feature with 3% Cash back on Amazon Purchases and 1% Cash back on everything else. spca in qualicum beachWebCiti premier (got it when it offered the 80k sub) looking at the citi custom cash for gas next. restaurant Amex gold. 4)travel (airlines)Amex plat or CSR (I also rotate purchases between CFU/CFF to get UR points) -Hotels Hilton Aspire. 5) entertainment US bank cash + /Amex plat credits it offers. technoline wl2000 technoline wetterstation ws9532WebCapital One Pre-Approval for First Credit Card. I'm currently trying to get my first CC. As you can see below I've been an authorized user on one of my parent's card for almost 3 years but am trying to get my own card. Capital One's pre-approval tool approved me for both the Capital One QuickSilver and SavorOne cards for Good Credit (so no SUB ... sp.calsonickansei.bizWebDiscover it for 5% rotating categories. Apple Card for 2-3% back on Apple Pay purchases (I use Apple Pay heavily anyway.) Capital One Quicksilver for 1.5% back on the odd merchant that doesn’t take Apple Pay and is off category on my rotating category cards. Affinity Pure Rewards for 5x points on rotating categories. spca in washington state