Getting first credit card reddit

Author: uove

August undefined, 2024

WebI recently got my first credit card after banking with chase for years. I decided to get the Freedom Flex Card. My credit limit is $1,500. Is that low? Is that normal? Also it said the intro APR would be 0 percent for the first 15 months and on my account it says that the purchasing APR is 28.49 percent is that wrong or normal? WebStaples offering No Activation Fee on $200 Mastercard Gift Cards (3/26 – 4/1) 117. 72. r/CreditCards. Join. • 5 days ago. I’m 18 picking between Apple Card or the Discover IT. I need some advice on which one to go with. Thank you.

Best First Credit Card : r/personalfinance - Reddit

WebI have had credit cards for 17 years and although I made a couple of mistakes when I was very young, I have not had more credit card debt than I could pay off in 1 month in the last 10-12 years. And now, I have stopped using debit cards for transaction and started using credit, as I get rewards and I have better protection if there is an issue. WebUsing a credit card responsibly helps build your credit score, so you'll be more qualified for other loans later in life. Many cards also offer rewards programs, like 3% cash back on every purchase. So if I use my debit card for a $100 purchase I paid $100, but if I use my credit card, I paid $100 and later get $3 back. hairstyles kpop

Best First Credit Cards To Build Credit Of April 2024 - Forbes

WebGood afternoon, My Credit Card History: I got my first credit card when I was 19, I went through my bank (Wells Fargo) and paid it off on time all throughout college. [$1,000 limit, 1% cashback] I applied for my second card (an American Express) at 20 to continue my credit building. Instantly approved [$500 limit, 1% rewards] Web7. After getting an endorsement from a bank and it turns out that your application is still rejected, your last option is to apply for a secured credit card. A secured credit card is supported by a cash deposit you make when you open the credit card account. The deposit is usually equal or a percentage of your credit limit. WebMar 28, 2024 · $0 Annual Fee; Variable APRs range from 24.49% – 33.99%; $300 – $5,000 credit limits; Earn a credit limit increase in as little as 6 months. Terms and conditions apply. hairstyles korean girls wear

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Capital One Pre-Approval for First Credit Card : r/CreditCards

WebThe only differences on the student card that I‘m aware of are the ‘good grades’ credit for up to 5 years, and the shorter intro period on no interest. The first year cashback that’s earned will be matched by Discover at the end of that period, so it’ll effectively be a 2%/10% card during that time. WebSit down with the banker and ask how you can get the card. They will likely offer a guaranteed approval if you put over 10k into your chase accounts (if they don't offer, bring it up). The bankers have the power to get you the card they just want more of your business and a sense of security in return. bull head towel holderWebDiscover and Capital One are probably the two issuers most likely to approve you. As a heads up, Chase specifically really doesn't like being people's first credit cards, so I would avoid them for now (although they have very good cards you might be interested in getting later). MercilessXFate • 5 yr. ago. bullhead tee flow

"WebHi Reddit, I’m a 17 yo who’s about to start her first year of college come the end of August. My parents want to get me a credit card (probably a VISA, that’s what my mom & I think my dad & sisters have), but recently I saw a post that ended with Redditors basically shitting on banks and showing love to credit unions. " - Getting first credit card reddit

Getting first credit card reddit

Where to get my first credit card? : r/UKPersonalFinance

WebChase Freedom. It was my first card. They have good simple intro offers, rotating categories of benefits and the points transfer to their higher level cards like Chase Sapphire which is one of the best cards out there for travel booking.I recommend after a year or so, have her either add another card too or get her as an authorized user for one of your … WebBest First Credit Cards ... 5 hacks I learned from Reddit that helped me save $2,500 with very little effort. ... and advice that can help me pay off credit card debt, save more cash, fund my ...

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Web1.Discover IT student is a great card to kick off the credit journey. If that doesn’t work out, then advise looking into secured card- once approved, you’ll be required to deposit a … WebGo with Citi - Citi DoubleCash is a solid 2% cash back card and then you can add the Citi Custom Cash for 5% off your top spending category. BrutalBodyShots • 1 min. ago. You'd probably be best suited for a general 2% back on everything type …

WebDiscover It Student is imo one of the best cards. Free $20 a year, 10% categories and 2% on everything else, get a referral for another free $50. After the first year get whatever card fits your spend. But he should be a sure thing for the BOA one. They're kind to first timers, ESPECIALLY if you bank with them. WebSo I'm 22, got my first credit card through Chase and am working on building my credit. I get cash back with my card and have been taking advantage of that. Ive been buying everything with my card and paying it off before I reach 30% of my limit, instead of paying attention to the payment date. Spending within my means. I don't pay for any ...

WebCREDIT PROFILE. Current credit cards you are the primary account holder of: FICO Scores with source: Experian 765, TransUnion 748 (FICO Score 8 via BECU) Oldest credit card account age with you as primary name on the account: 2 years. Number of personal credit cards approved for in the past 6 months: 0 WebSo, divide that by 365, and you get the total interest you’d owe per day. So, accumulate interest for 20 days, and you’ll owe an extra 24%*20/365, or about 1.3%. If you have a balance of $500 that’s accumulating interest, and won’t be able to pay it off for 20 days, then you’ll owe $506.58 when you finally pay it off.

WebOct 15, 2024 · CIP 1/2024 (downgraded to Chase Ink Cash), CIP 1/2024 (downgraded to Chase Ink Cash), CSR 12/2024, Chase Amazon Prime 10/2024, AMEX Blue Cash Preferred 4/2024, Citi Double Cash 12/2015. Enough for most cards, with $15k in three months for CIP probably too much for me right now. If necessary but shouldn't have to. Yes.

hairstyles ladiesWebFirstly, to get section 75 protection on larger purchases. Secondly, to earn cashback on spending (you can currently earn between 0.25% and 5% cashback on credit card purchases). Thirdly, to make use of 0% interest free periods and keep the money saved in an interest-earning account (process called stoozing). bullhead trailerWeb1.Discover IT student is a great card to kick off the credit journey. If that doesn’t work out, then advise looking into secured card- once approved, you’ll be required to deposit a dollar amount ($200, 500, 1k, 2k) and that will be your credit limit. Think of the deposit as collateral- in case you can’t pay your CC statement balance. bull head trophyWebThe secured card is a credit card where the limit is secured by a deposit in the bank (A secured card with a $500 limit requires $500 in collateral from you). When you charge on the card, it doesn't deduct from that deposit, they only deduct from there if … bullhead trailer repairWebApr 5, 2024 · Why it’s a great first credit card: When you’re first starting in the credit card rewards game, juggling different bonus categories and trying to figure out the best redemption options can be confusing and time-consuming. The Capital One VentureOne makes earning travel rewards much simpler. You’re always getting at least 1.25 Venture ... bullhead tee ductworkWebbwc101 • 4 yr. ago. Just like jobs say they want to see x years of experience, but you first need a job in order to gain experience. Many credit card issuers expect to see x months of responsible credit card use, but you first need a credit … hairstyles ladies over 60WebCapital One Pre-Approval for First Credit Card. I'm currently trying to get my first CC. As you can see below I've been an authorized user on one of my parent's card for almost 3 years but am trying to get my own card. Capital One's pre-approval tool approved me for both the Capital One QuickSilver and SavorOne cards for Good Credit (so no SUB ... bullhead urgent care