Which kind of credit cards should i start to establish my credit history?

i am a very careful person and i know i wont do too much on credit cards but i building up my credit history is really hard..i applied to most cards that offer to no credit people like me...what can u suggest..im only 18

Which kind of credit cards should i start to establish my credit history?online loan

OK, there are a couple things you can do here. To build your credit you should try to get what is called a secured credit card. A secured card requires a cash collateral deposit that becomes the credit line for that account. For example, if you put $500 in the account; you can charge up to $500. You may be able to add to the deposit to add more credit, or sometimes a bank will reward you for good payment and add to your credit line without requesting additional deposits. It%26#039;s a great way to start establishing your credit. Within 6 mos to a year you%26#039;ll be ready to go with a regular card.

Which kind of credit cards should i start to establish my credit history? loan

You want the kind with the lowest interest rate! You also want one with a small credit limit. Pick one card that you want, apply 8 times. Mail in one application a day until they are gone. I promise you that 8 different people will process those applications and it%26#039;s most likely that at least one of them will approve you. Don%26#039;t charge too much and pay your bill on time, every time. Pay more than the minimum and learn how interest works. You might want to start with a small department store card or somewhere like Target. Good luck :)|||It really depends on what type of credit cards are available to you if you%26#039;ve applied for basic cards already that are suppose to go for individuals that don%26#039;t have much credit and that hasn%26#039;t worked yet. There%26#039;s a couple of ways you can go if you%26#039;re a college student look into student specific cards they have different income requirements then normal credit cards and are pretty easy for a student to acquire if that fails you may end up with a secured credit card where you have to put down a security deposit which can range anywhere from 99 dollars and up. If you pay on time and don%26#039;t go over your credit limit you get your security deposit back after a year. But they tend to have annual fees and higher interest rates. But if that%26#039;s all you can get..then that%26#039;s all you can get. If you do choose to go with a secured credit card make sure you get one that reports to the credit bureaus or else it won%26#039;t do you any good. It%26#039;s rare to find one that doesn%26#039;t report, but i%26#039;ve seen them out there so read carefully. And be careful about applying for multiple credit cards in a short amount of time. The more applications you have the more it hurts your credit score and could make it more difficult for you to get a card.|||Don%26#039;t get a Credit Card just to boost your credit rating! Thats like fighting for peace. If you wish to establish a good credit history just make sure you pay all your bills etc on time. Phone, elec, shop etc etc. By making all your repayments ontime you will establish a good Credit record. These will generally provide better credit records than Credit card repayments. CC payments are looked at as a reson to NOT lend you money, ie late 8 times in 12 months...|||A credit card can be a great friend as well as a terrible enemy. Used wisely (only charging what you can pay each month). Do not pay any of the finance charges!

As far as best cards, get one that pays you to use it. Discover, AmEx, Visa. It might be difficult getting started but if you search you%26#039;ll find one. Keep in mnd-pay in full each month and also, the crediit history you are starting will last a lfietime and can be a great asset down the road.

Good Luck.|||Get a stable job - apply for a credit card if you are already in your job for at least 2 years.

Get a permanent address - live there for at least 2 years.

Get someone to co-sign for you if you have not tried that.

You have to have some savings account as well as checking account if you don%26#039;t have anything at home in your name like electric bill or telephone bill or water bill or internet account or anything of an account in your name that you are paying on time.|||may be american express, but It depends for what it will be used : I found interesting information about your answer %26amp; the best credit card options here. Goodhttp://all-debt-consolidation-loan.blogs... luck!|||try capital one. I know they have a couple of credit cards that are for people with no or limited credit. they are relatively easier to get approved. good luck.