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widespread123
Joined: 12 Jun 2007
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 Posted: Thu Nov 15, 2007 9:14 pm Post subject: Applying for my first credit card... |
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So, I never had more money than I needed back in college and I never made big purchases. I worked so I could pay my rent through my checking account and never needed any credit. I have zero credit history. I am almost finished with a year here and have saved some money. I am going to get a credit card but I am sort of clueless.
I got an offer for a card with 12.24% APR, which sounds horrible. Am I correct?
What's a good card offer for a first timer with no credit history?
-Do you like your credit card company or did they drive you to teach in South Korea just to get them off your back? Which ones do you use?
-Let's just say for the sake of arguement that I am responsible and won't spend money I don't have. Any advice would be great. |
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Atavistic
Joined: 22 May 2006
Location: How totally stupid that Korean doesn't show in this area.
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| Posted: Thu Nov 15, 2007 9:20 pm Post subject: Re: Applying for my first credit card... |
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| widespread123 wrote: |
So, I never had more money than I needed back in college and I never made big purchases. I worked so I could pay my rent through my checking account and never needed any credit. I have zero credit history. I am almost finished with a year here and have saved some money. I am going to get a credit card but I am sort of clueless.
I got an offer for a card with 12.24% APR, which sounds horrible. Am I correct?
What's a good card offer for a first timer with no credit history?
-Do you like your credit card company or did they drive you to teach in South Korea just to get them off your back? Which ones do you use?
-Let's just say for the sake of arguement that I am responsible and won't spend money I don't have. Any advice would be great. |
You have no credit history. It's a fine APR.
I have several credit cards and good lord, no, "they" didn't drive me to teach in South Korea. Only your own irresponsible credit usage can do that. |
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