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 Member 634 Level 32.09 Mar 2006 
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For many years I have very hesitant to get a credit card. However, with important things such as getting a house, car, etc, my parents convinced me that it was high time to get a credit card at the age of 21 (or was it 22?).
I have used a Visa credit card through my bank. That seemed to work well due to my already established relationship through the bank (which helped a great deal as previously my attempt to get a credit card at Circuit City failed due to me having a lack of a credit rating). I haven't had any major problems. However, there weren't really too many bonuses. Still, had it for years, been able to use it in stores without a hitch. My advice, as others have stated, is to make purchases with your card and pay it off immediately. Bring it with you to the store(s), get what you want/need, then at the end of the day, go to the bank (presuming you get it through your bank) and pay it off that day. Will keep your credit nice and good. Jam it back in, in the dark. |
Member 634 Level 32.09 Mar 2006
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DeLoreen: Interestingly enough, I had the same mentality. That's why I went with a Circuit CIty credit card at first (or tried to) only to get rejected (and being humilated as my best friend who worked there was standing there as another employee came over to tell me I was rejected. Oh well..). That's why I suggest doing it through your bank-you should have a far better chance.
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