# Needed first credit card (INPUT PLEASE)
**URL:** https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716
**Category:** NYSpeed Off Topic
**Created:** [February 3, 2006, 12:57pm UTC](https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716 "2006-02-03T12:57:55Z")
**Posts on this page:** 10
**Page:** 2
### Author:  [@duck](https://forums.speedlife.net/u/duck)
#### Post date: [February 3, 2006, 1:58pm UTC](https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716/21 "2006-02-03T13:58:10Z")
correct me if i’m wrong, but…
everytime you apply for a credit card your credit scrore drops.
and everytime you get rejected for a credit card, you are eligible for a free credit report… so GET ONE. find out what is on your report that is messing you up. i doubt it’s just age
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### Author:  [@tpgsr](https://forums.speedlife.net/u/tpgsr)
#### Post date: [February 3, 2006, 2:04pm UTC](https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716/22 "2006-02-03T14:04:44Z")
> [@joelster](#):
>
> Go to Kauffmans in the mall, apply for their credit card. You’ll get it, trust me. They will set a ridiculously low limit on it at first, like 250-300 bucks. Go buy yourself some jeans or whatever. As soon as you get your first bill, you’ll be getting the credit card pre-approved applications in the mail. The kauffmans card is nice too because the minimum payment is always at least 25 bucks even if the balance is only like 30 bucks or whatever.
no no no no no and no some more. The type of card that you want to avoid are specific store cards. They carry the worst terms, and are definatly not the best way to build your credit. If you are in a bind, and get one for the “10% discount” or whatever make sure to pay ot off IMMEDIATLY. I cant stress how bad store cards are to have and carry balances on. Just get a normal credit card. Or, if you want to establish alot of credit fast, take out a home equity line of credit on your house, and get a credit card through that same bank. You will be paying very low interest on the home line of credit, and can use that money toward anyhting that you want. Just build a new kitchen or something stupid. by making mortgage or home equity payments on time, it shows a lot to lenders. then on top of that, you have a card from the same bank that carries a great interest rate and a lot of perks
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### Author:  [@tpgsr](https://forums.speedlife.net/u/tpgsr)
#### Post date: [February 3, 2006, 2:06pm UTC](https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716/23 "2006-02-03T14:06:38Z")
> [@duck](#):
>
> correct me if i’m wrong, but…
> everytime you apply for a credit card your credit scrore drops.
>
> and everytime you get rejected for a credit card, you are eligible for a free credit report… so GET ONE. find out what is on your report that is messing you up. i doubt it’s just age
What it shows on your report is that you applied for a line of credit. Not necessarily a point deduction, but when it comes to getting a big loan like a mortgage, they get nervous if your report has been pulled like 6 times in 1 month for new lines of credit.
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### Author:  [@RedGoober4Life](https://forums.speedlife.net/u/RedGoober4Life)
#### Post date: [February 3, 2006, 2:07pm UTC](https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716/24 "2006-02-03T14:07:49Z")
Capitol One. 🙂
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### Author:  [@walter](https://forums.speedlife.net/u/walter)
#### Post date: [February 3, 2006, 3:15pm UTC](https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716/25 "2006-02-03T15:15:15Z")
> **[Credit Cards - Compare Credit Card Offers at CreditCards.com](https://www.creditcards.com/)**
>
> Compare Credit Cards & Credit Card Offers at CreditCards.com. Search credit cards and reviews about the best low interest, 0% balance transfer, reward, cash back, prepaid, student, airline, business and instant approval credit cards. Apply for Credit...
if you get denied, you probably have more credit than you think. pull your report and see what’s on there, pay the $3 and get your score.
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### Author:  [@SubaruDan](https://forums.speedlife.net/u/SubaruDan)
#### Post date: [February 3, 2006, 3:22pm UTC](https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716/26 "2006-02-03T15:22:56Z")
chase
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### Author:  [@Willybeen](https://forums.speedlife.net/u/Willybeen)
#### Post date: [February 5, 2006, 3:31pm UTC](https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716/27 "2006-02-05T15:31:10Z")
[http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner\_dir\_name=chase\_cashplus\_champ&page=cont&mkid=605V&msc=Z0003148&AFFID=EhraRx8K\_BE-xWRu60JbKpoq0gsRXhz3Ig](http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=chase_cashplus_champ&page=cont&mkid=605V&msc=Z0003148&AFFID=EhraRx8K_BE-xWRu60JbKpoq0gsRXhz3Ig)
hows this card?
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### Author:  [@Willybeen](https://forums.speedlife.net/u/Willybeen)
#### Post date: [February 5, 2006, 3:32pm UTC](https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716/28 "2006-02-05T15:32:04Z")
or this one [http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner\_dir\_name=chase\_student\_aff01&page=cont&mkid=605V&msc=Z0003214&AFFID=EhraRx8K\_BE-HLb9YTK.0xwz4dua1AehXQ](http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=chase_student_aff01&page=cont&mkid=605V&msc=Z0003214&AFFID=EhraRx8K_BE-HLb9YTK.0xwz4dua1AehXQ)
im gonna apply for one or the other in the next 20 minutes i think
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### Author:  [@Bucker](https://forums.speedlife.net/u/Bucker)
#### Post date: [February 5, 2006, 4:07pm UTC](https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716/29 "2006-02-05T16:07:34Z")
I just applied to the second one. Doesnt look too bad, and I am not planning on carring a balance greater than $50 anyways.
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### Author:  [@Willybeen](https://forums.speedlife.net/u/Willybeen)
#### Post date: [February 5, 2006, 4:18pm UTC](https://forums.speedlife.net/t/needed-first-credit-card-input-please/7716/30 "2006-02-05T16:18:48Z")
yea… i applied… we will see what happens in a week or so…
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