Comments on: What is the best credit card for a first time user?

By: Mark

Mark — Fri, 31 Jul 2009 21:49:40 +0000

I would have to say find one that has lowest APR. Since this is your first credit card you might have problem to get one at first. Not sure how your credit is. When i was in your place i used this website to get my credit card with low APR.

Hope this helps.

By: Fre$h

Fre$h — Fri, 31 Jul 2009 12:45:09 +0000

I got my first credit card with Citi bank. It didn’t have a high limit but I didn’t have any credit at that time either. The APR was good and they offer introductory rates and good balance transfer rates if you have any other bills such as a car note that you would like to pay off. Also, since I was young and didn’t understand that much about credit, I ended up skipping like 4 payments in a row. They never reported me to the credit bureau which ultimately saved my credit score in the long run.

By: andr0x

andr0x — Wed, 29 Jul 2009 10:53:47 +0000

Shop around with a site like to try and find a low interest rate, that rate is going to be based on your credit score, the higher you have the lower your rate will be but having the card will also help and using it wisely will help boost your score.

For a first time user I recommend keeping a low credit line and if its rather high try asking if you can lower it. My very first card at age 19 was with a $300 credit limit and it went to $600 after 3 months. I’d stay low until you get used to using it responsibly.

Losing your job and having to pay $300-600 + interest is a whole lot better than having $10,000 + interest to pay. And remember, pay your balances in full!

By: Steve P

Steve P — Wed, 29 Jul 2009 07:59:23 +0000

Be sure to get one with a low interest rate and a low credit limit.

By: iCE

iCE — Sat, 25 Jul 2009 23:41:21 +0000

hi, i dont have a credit card right now but i will soon, and i would go with wamu ( that is now Chase ), they have really good support.

By: E

Wed, 22 Jul 2009 14:56:56 +0000

They are all fairly equal as long as you pay them off each month. I opt for the card with cash back. My APR is high because of the feature (12.95%), but APR doesn’t really matter to me.
Discover has a weird setup on their APR. It is some dual billing on their APR. It seemed fishy so I went with CITI Card. They put your picture on the card for free and everything.
Don’t be like 50% of dumb americans and carry a balance!