MyungChunHa
16-02-2006 20:06:48
i recently turned 18 (finally) and i want to get a credit card...i thought it would be cool to get one while getting a green...so anyways, my question is what are the requirements and what is the best one that i could get.....
ajasax
16-02-2006 22:20:37
Hey is that avy from Kill Bill (I just watched it yesterday from Netflix )) Anyways...I did the same thing and did a CC offer for a Freepay site. It was a Citi Platinum for college students. Very good customer service and online banking. You can even choose to only get your CC bills online. The requirements for a CC offer are that when you receive it in the mail, you have to activate it, then purchase something with it. I think I got credit pretty quickly after I did that. Just don't buy something you can't afford wink
MyungChunHa
17-02-2006 12:31:35
[quotebcd28620fa="ajasax"]Hey is that avy from Kill Bill (I just watched it yesterday from Netflix )) Anyways...I did the same thing and did a CC offer for a Freepay site. It was a Citi Platinum for college students. Very good customer service and online banking. You can even choose to only get your CC bills online. The requirements for a CC offer are that when you receive it in the mail, you have to activate it, then purchase something with it. I think I got credit pretty quickly after I did that. Just don't buy something you can't afford wink[/quotebcd28620fa]
alright, thx....i was thinking about doing Citi....ive heard a lot of good things about them.....
btw, it's Pei Mei from Kill Bill 2....IMO one of the greatest characters ever 8) ....
unknown uchiha
17-02-2006 13:48:52
Pei Mei is also from the old Shaw Brothers' films (like Five Fingers of Death) =D
And I can't wait to get a lirealli credit card. I just turned 17 and 1/2 on the 15th =D
citibank is a great company. I have used them for almost 10 years. look for these things in a credit card
NO yearly fee
APR needs to be low, unless you pay it off every month
fraud protection
price protection (also called best value guarantee)
rewards program with at least
1% back on all purchases
5% on groceries/gas
some links for ya
http//www.fatwallet.com/t/52/457977/
http//www.fatwallet.com/t/52/581888/
http//www.fatwallet.com/t/52/523218/
http//www.fatwallet.com/t/52/555547/
http//www.fatwallet.com/t/52/426254/
for when you sign up
there are ALWAYS gift cards out there for when you sign up. I am not sure about the college kids one. I had that while I was an undergrad then upgraded to a drivers edge and then I realized the rewards program stunk. Now I have a citibank diamond rewards preferred. It is great, I may swap to an AMEX soon, if I can get one without a yearly fee.
pm me with questions
one thing I forgot, frequent flier miles become less and less valuable each year. those cards are NOT worth it
MyungChunHa
17-02-2006 22:38:40
thanks to jy for posting some REAL good info...+kma whenever i get to it....i think im going to settle with citi, it seems like the best bet...
[quote321e5ac19e="AbSoLuT_xXxEr0"]thanks to jy for posting some REAL good info...+kma whenever i get to it....i think im going to settle with citi, it seems like the best bet...[/quote321e5ac19e]
my pleasure. if u didnt know about fatwallet that is the greatest hot deals site out there )
mpbollywoodking
18-02-2006 05:49:23
are u able to get those "prepaid credit cards" if you are under 18?
unknown uchiha
18-02-2006 10:02:28
Yes you can buy a prepaid card if you're under eighteen. Another way to go is a Debit card by opening up a College Checking account.