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GeauxTime9
LSU Fan
Baton Rouge, La
Member since Dec 2010
1838 posts

Getting my first credit card

I graduate in December and im thinking about getting a credit card to pay gas and bills to build some credit. What cards should I be looking at?


Mr.Perfect
Louisiana
Member since Mar 2013
7370 posts

re: Getting my first credit card
What's your current score?


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wegotdatwood
Member since Aug 2009
17094 posts

re: Getting my first credit card
Will you pay it off in full each month?


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BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
43107 posts

re: Getting my first credit card
Something with no fee. You will want to keep this card active forever

Do you have access to USAA?


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NewIberiaHaircut
LSU Fan
Lafayette
Member since May 2013
3972 posts
Online

re: Getting my first credit card
I had no credit history and had to get one through my local bank.


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GetCocky11
South Carolina Fan
Member since Oct 2012
8360 posts

re: Getting my first credit card
I'd go to the bank where you have your checking and savings accounts and ask about their credit cards.


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VABuckeye
Ohio State Fan
Oak Hill, VA
Member since Dec 2007
13794 posts

re: Getting my first credit card
Capital One Journey. It's a student card and actually has rewards. Not bad for a starter card.


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Tuscaloosa
Alabama Fan
Agloe, New York
Member since Dec 2011
9411 posts

re: Getting my first credit card
Something with a low limit, no annual fee, and something you're planning on paying off at the end of every month. And if you can find one that gives you rewards, that's a perk too.

It being your first card, you'll probably experience extremely high interest rates - which is why it's important that you pay it off every month, and that your limit is low, so you aren't tempted to go overboard.

My dad has been in the financial advising business for decades, and he always preached to me - "If you don't have it in the bank when you pull out the credit card, you won't have it in the bank at the end of the month."

Make smart decisions. It will save you a lot of stress and money in the future.


GenesChin
Virginia Fan
The Promise Land
Member since Feb 2012
16889 posts

re: Getting my first credit card
Be careful, if you have never used a credit card, it is easy to forget that it is unlike a debit card. I will all the time absentmindedly make purchases with it thinking about room under my credit limit similar to money left in bank account.

I am extremely frugal typically though so it never makes a big deal but it takes time to get used to the subtle differences


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