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S
Mercer Fan
Quincomplete pass #DBU
Member since Jan 2007
65542 posts
Online

Credit Card Help for Dummies/Newbz

i am 28 with no credit and am interested in getting my first credit card. i am extremely frugal so going ape shite with the card is a highly unlikely scenario. i am mainly thinking about getting one to assist with rental cars, airline tickets and emergencies (knock on wood).


what does the board recommend for a beginner? any particular card i should research that i have a chance at getting with no credit history? any help is appreciated. thank you.


Double Oh
Louisiana
Member since Sep 2008
4415 posts

re: Credit Card Help for Dummies/Newbz
get one without an annual fee


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Layabout
UNO Fan
Baton Rouge
Member since Jul 2011
8547 posts

re: Credit Card Help for Dummies/Newbz
Get an American Express green card and keep it for the rest of your life.


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ShubutaMS
LSU Fan
5682 posts
Member since Aug 2013
1434 posts

re: Credit Card Help for Dummies/Newbz
quote:

i am 28
quote:

interested in getting my first credit card


Damn. Not many people save themselves for that long nowadays. Hope its a special experience for you.


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eScott
LSU Fan
Member since Oct 2008
4498 posts

re: Credit Card Help for Dummies/Newbz
Look for one with no annual fees. And pay it off in full EVERY time you use it. Start saving money up for an emergency.


S
Mercer Fan
Quincomplete pass #DBU
Member since Jan 2007
65542 posts
Online

re: Credit Card Help for Dummies/Newbz
i've been with bank of america for years, should i consult with them first or look into something else?


TigerRob20
LSU Fan
Baton Rouge
Member since Nov 2008
2070 posts

re: Credit Card Help for Dummies/Newbz
Chase Freedom, Amex Blue/Green, etc. BoA might have a similar card to the Freedom Card that you could get.



stevengtiger
LSU Fan
Member since Jul 2013
1602 posts

re: Credit Card Help for Dummies/Newbz
With little or no credit, an Amex could be hard to get your hands on. They demand a score of around 750 or higher. Chase Freedom card is easier to get and still has great rewards with no annual fee. Had one for a while and my wife and I have already racked up some cash back.


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BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
43113 posts

re: Credit Card Help for Dummies/Newbz
quote:

i've been with bank of america for years, should i consult with them first or look into something else?


If you are ok with BoA and plan to stay with them, I would start with there.

I personally will never do business with BoA, they are a bunch of crooks IMO.

While I am a big fan of Amex. I would not get one of their Charge Cards as my 1st card.

Barclaycard offers a Rewards Mastercard that gives double points for every dollar spent on gas, grocerie,s and utilities. I would check them 1st


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