Best credit card?

[Cawchy87]

I turn 18 this sunday, and I want to start building my credit. I won't put more than a couple hundred dollars on there each month, just something to start me off. I will be buying stuff on websites, so fraud protection is important.

Which major company should I go for?

 

[Pepsi90919]

any

 

[Krk3561]

Go for an Amex Blue for Students ('tis what I did)

This has been asked a billion times on here before too

 

[Cawchy87]

amex isn't accepted everywhere in canada to my knowledge.

sorry for the repost.

 

[Krk3561]

Originally posted by: Cawchy87
amex isn't accepted everywhere in canada to my knowledge.

sorry for the repost.

O, didn't realize you were in Canada.

If you can, try to get a Citi credit card, mastercard or visa, it doesnt really matter.

Citi Dividend Platinum Select or Citi Platinum Select for Students

 

[Kishan]

Originally posted by: Krk3561
Go for an Amex Blue for Students ('tis what I did)

This has been asked a billion times on here before too

did you have your parents as a guarantor?

 

[FrustratedUser]

Originally posted by: Pepsi90919
any

teh w1nn4r!

 

[Krk3561]

Originally posted by: KPSHAH316

Originally posted by: Krk3561
Go for an Amex Blue for Students ('tis what I did)

This has been asked a billion times on here before too

did you have your parents as a guarantor?

nope

 

[Aharami]

AMEX blue

edit: ah you live in CA. then AMEX isnt good for you

 

[BigJ]

THE card for college students is the Citi Dividend Platinum Select. Simple as that.

 

[Homerboy]

Cash.

 

[SagaLore]

Get a Discover card.

 

[torpid]

Is the real answer that most students shouldn't have one? I feel that it is based on the students who had one when i went to college who managed to amass immense debt.

 

[SouthPaW1227]

NEVER get a student card. That's like admitting you're wreckless and want bad credit.

Get a CITIBANK Dividens Mastercard

5% cashback on GAS and GROCERIES. 1% cashback on everything else. Great card

 

[Fritzo]

Doesn't really matter. Visa, MC are accepted about anywhere.

Discover sucks though. Reminds me of a Futurama quote:

Fry: "Do you take Visa?"
Clerk: "Visa hasn't existed for five hundred years."
Fry: "American Express?"
Clerk: "Six hundred years."
Fry: "Discover Card?"
Clerk: "Hmm...sorry, we don't take Discover."

 

[BigJ]

Originally posted by: SouthPaW1227
NEVER get a student card. That's like admitting you're wreckless and want bad credit.

Get a CITIBANK Dividens Mastercard

5% cashback on GAS and GROCERIES. 1% cashback on everything else. Great card

And you get off saying that how? If a person is reckless, they're going to get bad credit regardless of a student card or a regular card.

BTW, Citibank has a Dividends Platinum Select for College Students, pal.

http://www.citibank.com/us/cards/cardserv/dividend/index.jsp

 

[Qwest]

Citi Dividend Platinum Select

1. You get cash back
2. If you're shopping online a lot, you can generate one-time CC #s for each purchase.

 

[SouthPaW1227]

Originally posted by: Qwest
Citi Dividend Platinum Select

1. You get cash back
2. If you're shopping online a lot, you can generate one-time CC #s for each purchase.

Bingo.

And the thing that makes "STUDENT" cards different is you get a low monthly credit limit and "STUDENT" attached to the card. That's a horrible stigma to give yourself. Student's are known for getting into horrible CC debt, why would you place that label on your card?

Just be sensible w/ any card with any limit and you're good. There's just no reason to get a student card when you can get the platinum select and build your credit up with that.

 

[jpeyton]

http://www.bettercreditcard.com/

 

[BigJ]

Originally posted by: SouthPaW1227

Originally posted by: Qwest
Citi Dividend Platinum Select

1. You get cash back
2. If you're shopping online a lot, you can generate one-time CC #s for each purchase.

Bingo.

And the thing that makes "STUDENT" cards different is you get a low monthly credit limit and "STUDENT" attached to the card. That's a horrible stigma to give yourself. Student's are known for getting into horrible CC debt, why would you place that label on your card?

Just be sensible w/ any card with any limit and you're good. There's just no reason to get a student card when you can get the platinum select and build your credit up with that.

So a lower credit line will help students rack up more debt and be irresponsible with their credit card?

And how is having "student" a bad stigma? Do you have any proof where credit providers blacklist people with credit histories that contain a student card?

Plenty of average people are known to get into horrible debt too. That's why credit card companies can stay in business.

 

[torpid]

Come on man. If you are trying to pick up chicks and then pull out a CC with the word student on it and she's a money grubber, you aren't going to score then. Plus your friends won't respect you unless you buy them lots of stuff with it. They might tease you and give you wedgies.

 

[SouthPaW1227]

Originally posted by: BigJ

Originally posted by: SouthPaW1227

Originally posted by: Qwest
Citi Dividend Platinum Select

1. You get cash back
2. If you're shopping online a lot, you can generate one-time CC #s for each purchase.

Bingo.

And the thing that makes "STUDENT" cards different is you get a low monthly credit limit and "STUDENT" attached to the card. That's a horrible stigma to give yourself. Student's are known for getting into horrible CC debt, why would you place that label on your card?

Just be sensible w/ any card with any limit and you're good. There's just no reason to get a student card when you can get the platinum select and build your credit up with that.

So a lower credit line will help students rack up more debt and be irresponsible with their credit card?

And how is having "student" a bad stigma? Do you have any proof where credit providers blacklist people with credit histories that contain a student card?

Plenty of average people are known to get into horrible debt too. That's why credit card companies can stay in business.

You moron. If you can't control spending DON'T GET A CREDIT CARD IN THE FIRST PLACE. If you CAN control spending, go ahead & get one w/ a healthy limit. In 3-4 years he won't be 18 nor a student, and he'll want a healthy amount of credit (more than like $500 for sure) and rather than getting another card, he can just bump the credit up on that one since he's been a user for awhile. Simple really.

 

[BigJ]

Originally posted by: SouthPaW1227

Originally posted by: BigJ

Originally posted by: SouthPaW1227

Originally posted by: Qwest
Citi Dividend Platinum Select

1. You get cash back
2. If you're shopping online a lot, you can generate one-time CC #s for each purchase.

Bingo.

And the thing that makes "STUDENT" cards different is you get a low monthly credit limit and "STUDENT" attached to the card. That's a horrible stigma to give yourself. Student's are known for getting into horrible CC debt, why would you place that label on your card?

Just be sensible w/ any card with any limit and you're good. There's just no reason to get a student card when you can get the platinum select and build your credit up with that.

So a lower credit line will help students rack up more debt and be irresponsible with their credit card?

And how is having "student" a bad stigma? Do you have any proof where credit providers blacklist people with credit histories that contain a student card?

Plenty of average people are known to get into horrible debt too. That's why credit card companies can stay in business.

You moron. If you can't control spending DON'T GET A CREDIT CARD IN THE FIRST PLACE. If you CAN control spending, go ahead & get one w/ a healthy limit. In 3-4 years he won't be 18 nor a student, and he'll want a healthy amount of credit (more than like $500 for sure) and rather than getting another card, he can just bump the credit up on that one since he's been a user for awhile. Simple really.

I'm the moron when you're the one making unfounded and erroneous claims? BTW, thanks for addressing none of the points in my post.

How many kids know exactly how they are going to react when they get that piece of plastic in their wallet? It's better to be on the safe side of things. Especially since they're a new college student. Ever hear of the term "just enough rope to hang themself with?"

As if you can't bump up the credit line on a student card.

EDIT: Btw, I've had my student cards for a year. Their credit limits are $1,000 and $1,200, with a total balance of $46.73. If I wanted to, I could easily get them increased to $1,200 and $1,400. But do I really need it right now? And I think that's a bit more than $500.

 

[Wheatmaster]

i'm a college student and i've been thinking. if i'm not working the first year in college, is there any reason to get a credit card? i think it's better to wait until after college to get a credit card.

 

[Krk3561]

Originally posted by: BigJ

Originally posted by: SouthPaW1227

Originally posted by: BigJ

Originally posted by: SouthPaW1227

Originally posted by: Qwest
Citi Dividend Platinum Select

1. You get cash back
2. If you're shopping online a lot, you can generate one-time CC #s for each purchase.

Bingo.

And the thing that makes "STUDENT" cards different is you get a low monthly credit limit and "STUDENT" attached to the card. That's a horrible stigma to give yourself. Student's are known for getting into horrible CC debt, why would you place that label on your card?

Just be sensible w/ any card with any limit and you're good. There's just no reason to get a student card when you can get the platinum select and build your credit up with that.

So a lower credit line will help students rack up more debt and be irresponsible with their credit card?

And how is having "student" a bad stigma? Do you have any proof where credit providers blacklist people with credit histories that contain a student card?

Plenty of average people are known to get into horrible debt too. That's why credit card companies can stay in business.

You moron. If you can't control spending DON'T GET A CREDIT CARD IN THE FIRST PLACE. If you CAN control spending, go ahead & get one w/ a healthy limit. In 3-4 years he won't be 18 nor a student, and he'll want a healthy amount of credit (more than like $500 for sure) and rather than getting another card, he can just bump the credit up on that one since he's been a user for awhile. Simple really.

I'm the moron when you're the one making unfounded and erroneous claims? BTW, thanks for addressing none of the points in my post.

How many kids know exactly how they are going to react when they get that piece of plastic in their wallet? It's better to be on the safe side of things. Especially since they're a new college student. Ever hear of the term "just enough rope to hang themself with?"

As if you can't bump up the credit line on a student card.

Exactly, if you're paying on time and all that (I pay in full everytime, because I don't spend what I dont have), you can call them in ~6 months and have them raise your credit limit. Amex is very good about raising the limit if you are a good cardholder.

And seriously, what am I going to be using my card for over $500 every month? I'd actually prefer to be restricted to that so I don't get into debt.

torpid: My card doesnt say student anywhere on it.