I'm thinking it might be time for me to get my first credit card. I am about to start my second year of grad school and I'm in a tight spot until I get my stipend in August.

I would be able to pay the card off in full in august and would not have much of a need for it after that, but I think I would still use it from time to time to start to build some credit.

I currently have checking and savings account with Wachovia.

Any suggestions/advice?

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Posted by TigerintheNO

New Orleans

Member since Jan 2004

41244 posts

Posted on 6/10/09 at 7:20 pm to LSUswanny

Never had a problem with Discover

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Posted by TheHiddenFlask

The Welsh red light district

Member since Jul 2008

18384 posts

Posted on 6/10/09 at 9:42 pm to LSUswanny

Plenty of cards offer an interest free period. I would look for one of those.

Getting cards through your bank is always convenient for keeping track of them, but you should get some rewards and an interest free period.

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Posted by JPLSU1981

Baton Rouge

Member since Oct 2005

26320 posts

Posted on 6/10/09 at 9:43 pm to LSUswanny

American Express Delta Skymiles Card

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Posted by Will Cover

St. Louis, MO

Member since Mar 2007

38606 posts

Posted on 6/10/09 at 9:43 pm to LSUswanny

quote:
I'm in a tight spot until I get my stipend in August

Be very careful. This is how many people start out at first.

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Posted by baytiger

Boston

Member since Dec 2007

46978 posts

Posted on 6/11/09 at 2:11 am to LSUswanny

my first card was a Bank of America Visa with 0% introductory... I got it when I was in pretty much the same spot you're in now. 4000 limit which I never had over 1500 or so.. it's paid off completely now.

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