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]]> By: AB http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-150 AB Fri, 08 Aug 2008 03:58:22 +0000 http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-150 It would be best to start your credit with a regular credit card (Visa, Mastercard, etc) rather than a store credit card. The reason for this is b/c once you have paid the card off, in order to keep the account active you need to continue to make purchases. Go to and look at a card that has low interest and no annual fee. Also, if you have the available funds to pay for the bass, why pay extra on interest? I suggest you open up a card, make 1 purchase every month (groceries, gas, etc) and pay off the balance in full on time, every month. I urge you to never spend more than what you can afford. This will help you slowly build your credit and increase your score. By the time you are ready to buy a home, your credit will be superior and you will get the best interest rates. It would be best to start your credit with a regular credit card (Visa, Mastercard, etc) rather than a store credit card. The reason for this is b/c once you have paid the card off, in order to keep the account active you need to continue to make purchases. Go to and look at a card that has low interest and no annual fee. Also, if you have the available funds to pay for the bass, why pay extra on interest? I suggest you open up a card, make 1 purchase every month (groceries, gas, etc) and pay off the balance in full on time, every month. I urge you to never spend more than what you can afford. This will help you slowly build your credit and increase your score. By the time you are ready to buy a home, your credit will be superior and you will get the best interest rates.

]]> By: traffic816 http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-149 traffic816 Tue, 05 Aug 2008 15:09:57 +0000 http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-149 Get a credit card fro your bank, as you need credit to get a credit card. Go here to found people with no credit Get a credit card fro your bank, as you need credit to get a credit card. Go here to found people with no credit

]]> By: jelloisyummy http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-148 jelloisyummy Tue, 05 Aug 2008 01:09:42 +0000 http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-148 From what I understand, for the long term if you consistently make your payments on time, Chase is the credit card company that improves your credit rating the best. This information came from my mortgage broker during our first consultation when applying for a mortgage and discussing credit reports. For someone just starting out, your goal will be to find any reputable credit card company willing to offer you credit and be diligent about paying off your entire balance every month so you won't have to worry about the APR. Quickly, a few months to a year, they will raise your credit and you will be able to access other cards that have the low APR you truly want. Do not choose any credit offers that have yearly membership fees or extra out of pocket fees, there are plenty that do not. Try not to cancel credit cards. It's better to just not use the card ever again. When your credit score is calculated, it uses debt to credit ratio, a paid off, open card improves that ratio. From what I understand, for the long term if you consistently make your payments on time, Chase is the credit card company that improves your credit rating the best. This information came from my mortgage broker during our first consultation when applying for a mortgage and discussing credit reports.

For someone just starting out, your goal will be to find any reputable credit card company willing to offer you credit and be diligent about paying off your entire balance every month so you won’t have to worry about the APR. Quickly, a few months to a year, they will raise your credit and you will be able to access other cards that have the low APR you truly want. Do not choose any credit offers that have yearly membership fees or extra out of pocket fees, there are plenty that do not.

Try not to cancel credit cards. It’s better to just not use the card ever again. When your credit score is calculated, it uses debt to credit ratio, a paid off, open card improves that ratio.

]]> By: CJ M http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-147 CJ M Sat, 02 Aug 2008 10:27:24 +0000 http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-147 Capital One is known as a card company that is will give cards to people to get their credit started. If you have no history at all, your fist limit may be pretty small, but will get worked up as you build your credit history. Don't cancel the card right away as that won't do you any good. Keep it, but don't carry over balances as the interest charges will kill you. The only down side to capital one is that they don't report credit limits, which can hurt your FICO score slightly, but it will be a good starting point. Capital One is known as a card company that is will give cards to people to get their credit started. If you have no history at all, your fist limit may be pretty small, but will get worked up as you build your credit history. Don’t cancel the card right away as that won’t do you any good. Keep it, but don’t carry over balances as the interest charges will kill you.

The only down side to capital one is that they don’t report credit limits, which can hurt your FICO score slightly, but it will be a good starting point.

]]> By: pathfinder http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-146 pathfinder Thu, 31 Jul 2008 05:38:21 +0000 http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-146 You establish credit by keeping the card and continue to use it and make payments on it as required. If you get a credit card, use it for let say 30-60 days, and chuck it, you are never going to establish good credit, because it takes time for the credit bureau to see a pattern of faithful and timely payments. If no one is going to give you a credit card right away, then you can go to a local bank and ask about a secured credit card. This is one where you put up , lets say $500, and this is what you credit limit is. The bank holds your $500 for a while, like 6 month to a year, and see how you pay your bills. At the end of the probation period , you get your deposit back , and a regular credit card. You establish credit by keeping the card and continue to use it and make payments on it as required. If you get a credit card, use it for let say 30-60 days, and chuck it, you are never going to establish good credit, because it takes time for the credit bureau to see a pattern of faithful and timely payments.

If no one is going to give you a credit card right away, then you can go to a local bank and ask about a secured credit card. This is one where you put up , lets say $500, and this is what you credit limit is. The bank holds your $500 for a while, like 6 month to a year, and see how you pay your bills. At the end of the probation period , you get your deposit back , and a regular credit card.

]]> By: Mysterious http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-145 Mysterious Wed, 30 Jul 2008 15:35:44 +0000 http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-145 Chase credit Cards are good cuase they offer alot of difforent plans. Chase credit Cards are good cuase they offer alot of difforent plans.

]]> By: Braden J http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-144 Braden J Tue, 29 Jul 2008 11:06:55 +0000 http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-144 There are several "low income" credit cards out there - many of them have fees and high interest rates... after all, first time buyers are a big liability for credit card companys. Try Orchardbank.com There are several “low income” credit cards out there - many of them have fees and high interest rates… after all, first time buyers are a big liability for credit card companys. Try Orchardbank.com

]]> By: superfly86 http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-143 superfly86 Mon, 28 Jul 2008 18:31:35 +0000 http://djbpassports.com/what-is-the-best-credit-card-to-start-my-credit/#comment-143 Diner's Club Diner’s Club

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