# I need a Credit Card, which one to get? **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [September 19, 2007, 8:04am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623 "2007-09-19T08:04:15Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Penfold](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/penfold/32/5007_2.png) [@Penfold](https://forums.speedlife.net/u/Penfold)\ **Post date:** [September 19, 2007, 8:04am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/1 "2007-09-19T08:04:15Z")
Hey, I decided I should get a credit card to build credit and have around in case of emergencies, even though I said I never wanted one. I have no clue what to look for or get. Any help would be appreciated. I know very little about credit cards in general. Thanks, -Penfold ---
**Author:** ![sickmach](https://avatars.discourse-cdn.com/v4/letter/s/e79b87/32.png) [@sickmach](https://forums.speedlife.net/u/sickmach)\ **Post date:** [September 19, 2007, 8:06am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/2 "2007-09-19T08:06:35Z")
i perfer discover but for you an everyday visa or mastercard will do. look for a low apr and dont get carried away with the credit card debt. always rember its not free money so pay the shit off ---
**Author:** ![oldford](https://avatars.discourse-cdn.com/v4/letter/o/f17d59/32.png) [@oldford](https://forums.speedlife.net/u/oldford)\ **Post date:** [September 19, 2007, 8:08am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/3 "2007-09-19T08:08:06Z")
one with the cheapest interest rate. ---
**Author:** ![Zer0DazE](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/zer0daze/32/7624_2.png) [@Zer0DazE](https://forums.speedlife.net/u/Zer0DazE)\ **Post date:** [September 19, 2007, 8:10am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/4 "2007-09-19T08:10:51Z")
[quote=“oldford,post:3,topic:35623"”] one with the cheapest interest rate. [/quote] werd. and you are young, and probably have little to no credit… so you wont find any with a “low” interest rate. anywho, i happen to like my bank of america card. i got my hedge trimer with the rewards points just recently. my hedges have never looked better, and for free even. ---
**Author:** ![walter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/walter/32/7202_2.png) [@walter](https://forums.speedlife.net/u/walter)\ **Post date:** [September 19, 2007, 8:22am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/5 "2007-09-19T08:22:07Z")
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**Author:** ![Nikuk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/nikuk/32/7254_2.png) [@Nikuk](https://forums.speedlife.net/u/Nikuk)\ **Post date:** [September 19, 2007, 8:31am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/6 "2007-09-19T08:31:24Z")
discover has great programs. b of a may be “easiest”. ---
**Author:** ![PsngrSeatsR4Boys](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/psngrseatsr4boys/32/3078_2.png) [@PsngrSeatsR4Boys](https://forums.speedlife.net/u/PsngrSeatsR4Boys)\ **Post date:** [September 19, 2007, 8:34am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/7 "2007-09-19T08:34:04Z")
[quote=“Nikuk,post:6,topic:35623"”] b of a may be “easiest”. [/quote] they give them to everyone with crazy high rates. i like my captial one mastercard. low rate and 0% for 12 months. ---
**Author:** ![maybe\_memories](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/maybe_memories/32/5053_2.png) [@maybe\_memories](https://forums.speedlife.net/u/maybe_memories)\ **Post date:** [September 19, 2007, 8:37am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/8 "2007-09-19T08:37:59Z")
low interest and no annual fee ---
**Author:** ![Nikuk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/nikuk/32/7254_2.png) [@Nikuk](https://forums.speedlife.net/u/Nikuk)\ **Post date:** [September 19, 2007, 8:42am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/9 "2007-09-19T08:42:37Z")
[quote=“PsngrSeatsR4Boys,post:7,topic:35623"”] they give them to everyone with crazy high rates. i like my captial one mastercard. low rate and 0% for 12 months. [/quote] he is apparently a beginner, aka - no / thin credit file. good luck getting 1% fixed for life. and, by BOA card is 1.9% life. :nono: ---
**Author:** ![cougarspeed](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/cougarspeed/32/7468_2.png) [@cougarspeed](https://forums.speedlife.net/u/cougarspeed)\ **Post date:** [September 19, 2007, 8:48am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/10 "2007-09-19T08:48:30Z")
Yea im in the same boat. I suppose i dont really care about interest as much since i dont plan to buy anything i wont pay off immediatley. I just think i should build some credit as i plan to buy a house in a year. Do i really need to do this when applying for a home loan, cant i just show them i have money in the bank i dont really want a credit card. ---
**Author:** ![Nikuk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/nikuk/32/7254_2.png) [@Nikuk](https://forums.speedlife.net/u/Nikuk)\ **Post date:** [September 19, 2007, 8:52am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/11 "2007-09-19T08:52:45Z")
[quote=“cougarspeed,post:10,topic:35623"”] Yea im in the same boat. I suppose i dont really care about interest as much since i dont plan to buy anything i wont pay off immediatley. I just think i should build some credit as i plan to buy a house in a year. Do i really need to do this when applying for a home loan, cant i just show them i have like 30k in the bank i dont really want a credit card. [/quote] 30k cash means very little when you have an overly weak credit score & report. 30k cash + no history is slightly better. ---
**Author:** ![cougarspeed](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/cougarspeed/32/7468_2.png) [@cougarspeed](https://forums.speedlife.net/u/cougarspeed)\ **Post date:** [September 19, 2007, 8:57am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/12 "2007-09-19T08:57:38Z")
I have never had a credit card so i would immagine i have very little on my credit report. I have had an apt. and bills in my name before but thats it ive never missed payment on anything. Oh and one car loan that was co-signed also never missed payment actually paid it off two years early. Ok give me a link to where i can check my credit score and ill see what it is i really have no idea. ---
**Author:** ![Zer0DazE](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/zer0daze/32/7624_2.png) [@Zer0DazE](https://forums.speedlife.net/u/Zer0DazE)\ **Post date:** [September 19, 2007, 8:59am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/13 "2007-09-19T08:59:47Z")
[quote=“cougarspeed,post:12,topic:35623"”] I have never had a credit card so i would immagine i have very little on my credit report. I have had an apt. and bills in my name before but thats it ive never missed payment on anything. Oh and one car loan that was co-signed also never missed payment actually paid it off two years early. Ok give me a link to where i can check my credit score and ill see what it is i really have no idea. [/quote] if you call and talk nice to the people at your bank they will tell you your score. just tell them you are interested in a mortgage. that way you don’t have to sign up at some bs website. ---
**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\ **Post date:** [September 19, 2007, 9:04am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/14 "2007-09-19T09:04:31Z")
I’m guessing that you’ve got no credit history at all, so you’re going to be limited in your choices. What’s your bank? My first credit card was an HSBC Mastercard with a 500 dollar limit. I didn’t look too hard, but I wasn’t able to get a GM Mastercard so I had to start there. ---
**Author:** ![cougarspeed](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/cougarspeed/32/7468_2.png) [@cougarspeed](https://forums.speedlife.net/u/cougarspeed)\ **Post date:** [September 19, 2007, 9:04am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/15 "2007-09-19T09:04:54Z")
Thats why i was asking for a link everytime i try to check it i get some stupid bs website fuck that crap. Anyhow ugh i dont feel like trying to use a phone here Iraq FTL. ---
**Author:** ![Zer0DazE](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/zer0daze/32/7624_2.png) [@Zer0DazE](https://forums.speedlife.net/u/Zer0DazE)\ **Post date:** [September 19, 2007, 9:07am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/16 "2007-09-19T09:07:24Z")
[quote=“BikerFry,post:14,topic:35623"”] I’m guessing that you’ve got no credit history at all, so you’re going to be limited in your choices. What’s your bank? My first credit card was an HSBC Mastercard with a 500 dollar limit. I didn’t look too hard, but I wasn’t able to get a GM Mastercard so I had to start there. [/quote] this is probably the best way to go. see if your bank offers a visa/master card. then ask them about a mortgage and your credit score. ---
**Author:** ![9ONA3OOZX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/9ona3oozx/32/7242_2.png) [@9ONA3OOZX](https://forums.speedlife.net/u/9ONA3OOZX)\ **Post date:** [September 19, 2007, 9:07am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/17 "2007-09-19T09:07:53Z")
i’m in the same boat, realizing i need to build more credit, and paying off a personal loan and clothing store credit cards probably won’t be sufficient in building a good credit score. and just from what i’ve heard and learned from working collections for so long…you say you want a credit card “to have around in case of emergency” a credit card IS THE LAST THING you should want in an emergency…sell something, borrow from a friend/family member, do ANYTHING it takes to stay away from spending money you dont have… people get the mentality with credit cards “well i need this now, but wont have the money for it til later” that means YOU CAN’T AFFORD IT… an emergency will only get worse if you think using a credit card to will bail yourself out. ---
**Author:** ![jay\_g](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jay_g/32/111288_2.png) [@jay\_g](https://forums.speedlife.net/u/jay_g)\ **Post date:** [September 19, 2007, 9:14am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/18 "2007-09-19T09:14:09Z")
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**Author:** ![cougarspeed](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/cougarspeed/32/7468_2.png) [@cougarspeed](https://forums.speedlife.net/u/cougarspeed)\ **Post date:** [September 19, 2007, 9:17am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/19 "2007-09-19T09:17:14Z")
Thats my issue i have plenty of cash i dont need one so i dont get one. Not that i don trust myself i just dont see the point. Im e-mailing my bank right now to ask them what the deal is. ---
**Author:** ![psphinx81](https://avatars.discourse-cdn.com/v4/letter/p/e9a140/32.png) [@psphinx81](https://forums.speedlife.net/u/psphinx81)\ **Post date:** [September 19, 2007, 9:27am UTC](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623/20 "2007-09-19T09:27:05Z")
i have 2 cards, but i dont use them without having the cash already… usally only use them to buy car shit [Next page](https://forums.speedlife.net/t/i-need-a-credit-card-which-one-to-get/35623.md?page=2)