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GeauxTime9
LSU Fan
Baton Rouge, La
Member since Dec 2010
1200 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?






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Mr.Perfect
Louisiana
Member since Mar 2013
3137 posts

re: Getting my first credit card


What's your current score?





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wegotdatwood
Arkansas Fan
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
My opinions are my own
Member since Dec 2007
40219 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
1722 posts

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
Columbia, SC
Member since Oct 2012
2273 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
9892 posts
 Online 

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
Member since Dec 2011
4690 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.






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GenesChin
Army Fan
The Promise Land
Member since Feb 2012
9720 posts
 Online 

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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