# Where to get a credit card? **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [December 2, 2005, 9:19am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200 "2005-12-02T09:19:37Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![vq30de](https://avatars.discourse-cdn.com/v4/letter/v/9dc877/32.png) [@vq30de](https://forums.speedlife.net/u/vq30de)\ **Post date:** [December 2, 2005, 9:19am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/1 "2005-12-02T09:19:37Z")
So the time has come for me to get a CC, im 21 and have never had one before. I applied for some student card through Capital One and HSBC, and was denied for both, due to my lack of credit. I have no credit history at all. So now im lost, I have no clue what to do next. Should I apply for one elsewhere? ---
**Author:** ![skatanic28](https://avatars.discourse-cdn.com/v4/letter/s/8e7dd6/32.png) [@skatanic28](https://forums.speedlife.net/u/skatanic28)\ **Post date:** [December 2, 2005, 9:28am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/2 "2005-12-02T09:28:13Z")
i just got one through chase a month or two ago. they have a rewards thing where you get 5 points for every buck you spend at a gas station or supermarket. after 5k points, you get 50 bucks. im 22 with no credit, so i would imagine you would be able to get one as well. ---
**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:** [December 2, 2005, 9:28am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/3 "2005-12-02T09:28:55Z")
Best card on the market right now is the _Worldpoints Visa through MBNA_. Rates are decent but the benefits are MUCH better then 90+% of the market. Even as a student, they will give You a good chance to get approved - so long as You dont have alot of _negative_ history. If You have poor credit history, there are still quite a few cards out there - but You will not like the 6/mo “participation fees”, the $89/annual fees, or the 15+% rates. Basically, as a student they will assume that You’re going to have a decent income in a few years, and at that point they want to be in Your pocket. I could go on for hours… ---
**Author:** ![RockKittie](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/rockkittie/32/7221_2.png) [@RockKittie](https://forums.speedlife.net/u/RockKittie)\ **Post date:** [December 2, 2005, 9:33am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/4 "2005-12-02T09:33:40Z")
I remember my first Credit Card was through HSBC. I built up my credit through them and now I have a Disney Visa which was really hard to get. But I really liked HSBC. ---
**Author:** ![JaysGreenLX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jaysgreenlx/32/7321_2.png) [@JaysGreenLX](https://forums.speedlife.net/u/JaysGreenLX)\ **Post date:** [December 2, 2005, 9:49am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/5 "2005-12-02T09:49:12Z")
My first CC was from Citi Bank. It was a student card that I got when I was 19. I still have it but don’t really use it anymore. My card of choice now is my Amazon Visa and the clear Amex. Amazon gives you gift certificates after you spend a certain amount with their card. Got myself a little something after buying an engagement ring on the card. ---
**Author:** ![c00grboi25](https://avatars.discourse-cdn.com/v4/letter/c/54ee81/32.png) [@c00grboi25](https://forums.speedlife.net/u/c00grboi25)\ **Post date:** [December 2, 2005, 9:53am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/6 "2005-12-02T09:53:29Z")
I got my first at 17 from the bank of omaha or some shit student card of course I got another one from MandT a world points visa or somethin… Just keep filling out applications youll get one eventually Could always get a sears card…they give those to ANYBODY haha ---
**Author:** ![SilencingMachine](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/silencingmachine/32/7593_2.png) [@SilencingMachine](https://forums.speedlife.net/u/SilencingMachine)\ **Post date:** [December 2, 2005, 9:54am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/7 "2005-12-02T09:54:54Z")
go get a target visa – sign up when you do your xmas shopping and save 10% on everything you buy as well. :tup: ---
**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:** [December 2, 2005, 10:03am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/8 "2005-12-02T10:03:51Z")
> **[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... ---
**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:** [December 2, 2005, 10:08am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/9 "2005-12-02T10:08:44Z")
:noes: this will end bad for the thread starter. ---
**Author:** ![Daddie](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/daddie/32/7621_2.png) [@Daddie](https://forums.speedlife.net/u/Daddie)\ **Post date:** [December 2, 2005, 10:11am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/10 "2005-12-02T10:11:23Z")
you can get a secured credit card from anywhere that means, you give them 500 bucks, they give you a 500 dollar limit, so you they don’t lose money on you if you flake out. That builds credit real fast also, shows that you are responsible. ---
**Author:** ![Freek](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/freek/32/7357_2.png) [@Freek](https://forums.speedlife.net/u/Freek)\ **Post date:** [December 2, 2005, 10:15am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/11 "2005-12-02T10:15:57Z")
opnce again me showing off but the best card on the market is the USAA credit card i’t sbeen that way for some time now … actually they were letting civillians get them for a while ---
**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:** [December 2, 2005, 10:25am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/12 "2005-12-02T10:25:39Z")
> [@Daddie](#): > > That builds credit real fast also, shows that you are **responsible**. FTW - as opposed to applying _everywhere_ > [@sprfreek](#): > > opnce again me showing off but the best card on the market is the USAA credit card i’t sbeen that way for some time now … > > actually they were letting civillians get them for a while When were they publicly offered?? shit… sad I missed it. ---
**Author:** ![nitroinsane](https://avatars.discourse-cdn.com/v4/letter/n/d26b3c/32.png) [@nitroinsane](https://forums.speedlife.net/u/nitroinsane)\ **Post date:** [December 2, 2005, 10:39am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/13 "2005-12-02T10:39:03Z")
first card i got was a american eagle card it had 100 limit from paying the minumum for 6 months built my credit up i now have a 2000 dollar card from key bank and my sears card. whatever u do watch for what cards has what. my sears car kicks my ass at 23 percent intrest ---
**Author:** ![nitroinsane](https://avatars.discourse-cdn.com/v4/letter/n/d26b3c/32.png) [@nitroinsane](https://forums.speedlife.net/u/nitroinsane)\ **Post date:** [December 2, 2005, 10:39am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/14 "2005-12-02T10:39:51Z")
u also dont wanna keep drastically applying that shows up on ur credit and doesnt look good ---
**Author:** ![AKA-FERRARI](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/aka-ferrari/32/7260_2.png) [@AKA-FERRARI](https://forums.speedlife.net/u/AKA-FERRARI)\ **Post date:** [December 2, 2005, 10:56am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/15 "2005-12-02T10:56:50Z")
if u have no credit, get a small card at like express or sears or somethin like that, after that youll get all kinda of offers in the mail from actual card companies. ---
**Author:** ![AlbinoMonkeyRat](https://avatars.discourse-cdn.com/v4/letter/a/bb73d2/32.png) [@AlbinoMonkeyRat](https://forums.speedlife.net/u/AlbinoMonkeyRat)\ **Post date:** [December 2, 2005, 10:58am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/16 "2005-12-02T10:58:18Z")
you gotta look for a credit card? I get applications almost every day in the mail. ---
**Author:** ![Twizted](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/twizted/32/7206_2.png) [@Twizted](https://forums.speedlife.net/u/Twizted)\ **Post date:** [December 2, 2005, 11:07am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/17 "2005-12-02T11:07:32Z")
i like my gm card ---
**Author:** ![Juan](https://avatars.discourse-cdn.com/v4/letter/j/a698b9/32.png) [@Juan](https://forums.speedlife.net/u/Juan)\ **Post date:** [December 2, 2005, 11:39am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/18 "2005-12-02T11:39:33Z")
> [@Daddie](#): > > you can get a secured credit card from anywhere > > that means, you give them 500 bucks, they give you a 500 dollar limit, so you they don’t lose money on you if you flake out. > > That builds credit real fast also, shows that you are responsible. :word: this is a good way too start…also open a checking and saving accounts with the same bank ---
**Author:** ![Dr.Stevil](https://avatars.discourse-cdn.com/v4/letter/d/da6949/32.png) [@Dr.Stevil](https://forums.speedlife.net/u/Dr.Stevil)\ **Post date:** [December 2, 2005, 11:42am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/19 "2005-12-02T11:42:39Z")
join a credit union ---
**Author:** ![vq30de](https://avatars.discourse-cdn.com/v4/letter/v/9dc877/32.png) [@vq30de](https://forums.speedlife.net/u/vq30de)\ **Post date:** [December 2, 2005, 11:44am UTC](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200/20 "2005-12-02T11:44:50Z")
i think im gonna look into one of those prepay dealies towards the end og winter break… thanks guys. [Next page](https://forums.speedlife.net/t/where-to-get-a-credit-card/5200.md?page=2)