for me,

Amex Blue - lowest fixed APR of 7.99% for large purchases
Amazon.com Visa Platinum (Bank One) - earn gift certificates for Amazon.com purchases
credit union Visa Gold - first credit card therefore length of credit history on file
UCI Alumni Association Mastercard Platinum Plus (MBNA) - school pride
Best Buy store card - financing options of 0% interest for 12, 18, 24 months
CompUSA store card - some financing options of 0% interest

recently applied for Citi Shell Mastercard for 5% gas rebates. i get Shell gas at least 4 times a month and seem to be pretty loyal. this would help especially with california gas prices

MBNA Platinum Plus Marquette University - I only keep it cause they gave me a $22k credit line
BankOne Amazon Visa Business Card - earn Amazon points with every purchase

I have an Ebay mastercard (debit card)
Platnuim capital one card
first premier gold mastercard. this was the first credit card i had ever got. It has the lowest interest rate (7%). though i should cancell it since i have a yearly fee for useing it. i think $49 a year. but i have never had a problem with them.


I don't use the Credit Cards that much. I just keep them in case of emergancy's.
or if i do something dumb like forget my check book or cash.

:banana:

CitiBank (http://www.gottadeal.com/deal-info-id-2892-store-citibank.html) - No annual fee, up to 5% rebate, one time use cc's, and FREE 1 year extended warranty.

CostCo Amex cc - No annual fee, doubles as my CostCo membership card, up to 2% rebate, and FREE 1 year extended warranty.

Chase Perfect Card (http://www.gottadeal.com/deal-info-id-3058-store-gottadeal.html) - No annual fee, up to 3% rebate, online banking, nice balance transfer incentives and more.

One Discover card. They offered me the lowest rate.

AMEX Delta Gold - Miles baby miles!
MBNA Visa - I took it out for a balance xfer. I need to close that account.
My Mastercard Debit - Obvious reasons, but I also earn points whenever I use it.

I do not like credit cards, because I see no good in them, though I do actually have one, because my mom gave me one that she pays off for me.

I do not like credit cards, because I see no good in them, though I do actually have one, because my mom gave me one that she pays off for me.

I agree.

But i have some for emergancy's. I had my car blow a tire on my way to work and the tow truck would not take cash or a check. I also didnt have enough cash to fix the tire at that time.

Not to mention as a homeowner there are times when you need to fix something that is expensive. they do come in handy.

I just don't understand the people that have 10k+ in CC debt. My sister is that way. she always has 5+k a month in CC debt. Its just nuts.

:banana:

Citi Dividend Platinum Select Mastercard - 5% cashback on gas, groceries, drugstores. 1% back on everything else.
Discover Platinum - got it for the cashback before I found the Citi card.
Amazon.com Visa - got it for the free $20, 3% rewards on Amazon.com purchases.
1stFinancial Visa - got it in college, I only keep it because I've had it the longest, therefore longer credit history. Doesn't have any rewards or anything like that. I only use it when I buy something for my parents that they need to reimburse me for.

Amazon.com Visa - got it for the free $20, 3% rewards on Amazon.com purchases.

Same here. Great credit card and they are generous with their credit limits, mine was $10,000.

Another reason to have an Amazon.com VISA in your wallet is because of VISA card benefits (http://usa.visa.com/personal/cards/benefits/warranty_manager.html?it=il_/personal/cards/card_benefits.html) which includes FREE 1 year extended warranty coverage.

Applying for the Amazon.com VISA credit card has never been easier. Apply online (http://www.gottadeal.com/click.php?type=coupon&id=184) and receive an instant decision. If your credit card application is approved, you can immediately order from Amazon.com using that credit card.

Nothing is sweeter than earning triple points from every day purchases such as music CD's, DVD's, towels, and other household items.

Discover - my parents had an account with them, so it made it easy to get my own
AMEX Blue Student - got it way back when they had the PM guarentee.

then just the standard ATM card from my back, which is Visa.

TD Green Visa (http://www.tdcanadatrust.com/tdvisa/green.jsp) (Student) - It's the only Credit Card I'm really elgible for, since I'm a student, and don't want to deal with co-signing and such with the parents, and I've got it primaily to start building credit.

Of the credit cards listed in this thread which of them, if any, would accept someone rebuilding their credit? Just finished paying off all of my CC debt two months ago. I had late payments, one collection 3 years ago that was paid then. FICO score averages ~640 between the 3 bureaus.

Of the credit cards listed in this thread which of them, if any, would accept someone rebuilding their credit? Just finished paying off all of my CC debt two months ago. I had late payments, one collection 3 years ago that was paid then. FICO score averages ~640 between the 3 bureaus.

My FICO score is only a few points away from yours, I would recommend the CitiBank (http://www.gottadeal.com/goto.php?http://www.gottadeal.com/deal-info-id-2892-store-citibank.html).

I have three at the moment.

Discover, $1,000 limit, I got it last June (2003) because I wanted a cc that had a revolving due date.

Visa, $1,500 limit, got it three years ago (August 2001), my first credit card, got it through Boeing Employees Credit Union.

And a Visa, $4,000 limit, that Bank of America just gave me as a reward for signing up for a bank account. I'm not sure how they gave it to me, I don't remember signing a credit card application as part of opening the account. I'm unsure if I should keep it open, as I have no intention at this point of using it.

I do not know how my credit score would be affected in either case (either leave it open or close it). Last time I checked I had a FICO score of 796.

GottaDeal.com's Top Recommended Credit Cards (http://www.gottadeal.com/deal-info-id-3715-store-gottadeal.html).

If you are looking for a new credit card, please click the above link and apply for whichever credit card best suits your needs.

Thank you for your support :)

American Express - started with Blue for Students (airline miles, other perks I never used) and because of Private Payments. Now I don't have either, but I'm used to it so I keep it around for online purchases.
First USA Visa - after graduation I had 1.5 months before starting my job, in which time I had to buy a car and furniture. They sent me the first "0% APR until December" card, so I jumped on it. I've had it since then (a little over three years).

American Express - started with Blue for Students (airline miles, other perks I never used) and because of Private Payments.
It's a shame that the very popular Amex Blue no longer offers BVG (Best Value Guarantee) nor private payments.

Hmm I think I posted this just recently on ATOT, but:

Bank One Free Cash Rewards Visa: This was my first card, opened in September 2001 (back then it was an Edward Jones FirstUSA Visa). A family friend who works there was able to sneak me through, and so my first card was fully my own (not co-signed) and unsecured. I've thus far increased the limit 6-fold, and upgraded it to the flat 1% cash back rewards program. I use this card for almost all everyday purchases, although unfortunately the balance I'm carrying is destroying my cash back.

Amex Blue for Students: just opened this recently to finance my Costco addiction. The membership rewards pay out GC's at 1% ($25 GC every $2500 spent) at a lot of popular online retailers, including Dell. I would have tried for the Costco Amex, but I didn't think I would get it with my full-time student status. Plus I piggy-back on my parents' Costco account to avoid membership fees.

Old Navy Account: $5 GC after every $100 of purchases. I love Old Navy, so this basically = 5% cash for me.

Pac Sun Credit Card: $25 off $50 coupon after every $125 of purchases. Easy to accumulate the $125 at such an expensive store, effectively meaning I get $175 of merchandise for $150. Free shipping on most orders over $100 too.

Ideally, in a year or two more, I'd like to retire my current Visa and convert over to one of the PerfectCards... preferably a Visa. At the same time, I'd like to upgrade my Amex to a Cash Back program instead of the generic Membership Rewards. As a student, I doubt I have a realistic chance of getting them now, but maybe after I graduate and get a real job...

Citibank - http://www.gottadeal.com/deal-info-id-2892-store-citibank.html

Why? Because parents gave it to me :)

Those of you who will say that I'm spoiled having a credit card, but really, I don't use it any differently than cash. As in, if I'm going out for a movie, whether I pay with cash or credit card, it doesn't matter. To me, it's convenient since I don't need to worry that I have enough in my wallet for going out, no change to carry, and I'd rather my wallet be lost with a credit card and $10 than a credit card and $30.

AgaBoogaBoo,

Great taste in credit cards. Is the application (name and social security numbers) in your name or your parents?

AgaBoogaBoo,

Great taste in credit cards. Is the application (name and social security numbers) in your name or your parents?
Under my parents name for now, but once I'm 18 or whatever the age is when I can have it under my name, it will be transferred to my name and so will the credit history. That will give me a nice credit history start :)

Under my parents name for now, but once I'm 18 or whatever the age is when I can have it under my name, it will be transferred to my name and so will the credit history. That will give me a nice credit history start :)

Grr, I really want one of those higher rewards cards. :mad: :heart:

Sears Master- we were shopping for a new washer/dryer and applied for it at the Sears Scratch and Dent and I got approved :eek:

Capitol One- because I got approved

(DH's) Capitol One- because he got approved
(DH's) Visa- It is a JEEP Visa and I applied for him for it as a present even though I didn't know if he would get approved or not and he did so....

Sears Master- we were shopping for a new washer/dryer and applied for it at the Sears Scratch and Dent and I got approved :eek:
Did you also receive the 10% off your first purchase discount?

Did you also receive the 10% off your first purchase discount?


Yep, surely did. We were on the search for a washer/dryer that had teh knobs/buttons on the FRONT of the machine (got the HE3 or soemthing like that). I am legally blind (can still see but, according to the state....) and so we have to start equipping the house with things with knobs on the front. The stove/oven was the first, and most important purchase a few years ago, but that was from a used store so it is an older model. But it sure does beat having burnt....

American Express Gold, ~$80/year fee, but I make it back in pricematches & $50 Home Depot GC's appx exery 2 months, have never carried a balance on it.

Visa debit card from regional bank (they have ATM's all over for free transactions), and they actually have Sunday hours @<hidden> the branches in local grocery stores.

Both institutions have excellent customer service, a serious priority if you want my business.

Under my parents name for now, but once I'm 18 or whatever the age is when I can have it under my name, it will be transferred to my name and so will the credit history. That will give me a nice credit history start :)

Are you sure it works like that? Since you have absolutely no (legal) financial responsibility for the account, why would they give you credit for what your parents did?

Are you sure it works like that? Since you have absolutely no (legal) financial responsibility for the account, why would they give you credit for what your parents did?
You are correct.

The original credit card application has his parents name and social security number. The credit card approval was based on their financial details, social security number, name, employment, income, debt and credit history. AgaBoogaBoo is only an authorized card user not an applicant, therefore he is not financially liable for the account. Even if he were to pay off the CitiBank cc himself, it still would not help his credit history.

When he turns 18 and gets his own cc, the past credit history won't magically be transported into his name. Since the original credit card application had his parents info and not his.

I wish I were as financially responsible as AgaBoogaBoo is when I was his age.

You are correct.

The original credit card application has his parents name and social security number. The credit card approval was based on their financial details, social security number, name, employment, income, debt and credit history. AgaBoogaBoo is only an authorized card user not an applicant, therefore he is not financially liable for the account. Even if he were to pay off the CitiBank cc himself, it still would not help his credit history.

When he turns 18 and gets his own cc, the past credit history won't magically be transported into his name. Since the original credit card application had his parents info and not his.

I wish I were as financially responsible as AgaBoogaBoo is when I was his age.

Yes, but look where your irresponsibility has gotten you today... nearly to the top of a Google search ;)

American Express Gold, ~$80/year fee, but I make it back in pricematches & $50 Home Depot GC's appx exery 2 months, have never carried a balance on it.

Visa debit card from regional bank (they have ATM's all over for free transactions), and they actually have Sunday hours @<hidden> the branches in local grocery stores.

Both institutions have excellent customer service, a serious priority if you want my business.
Is the Amex Gold a traditional Amex charge card or credit card (where you can carry a balance)?

You are correct.

The original credit card application has his parents name and social security number. The credit card approval was based on their financial details, social security number, name, employment, income, debt and credit history. AgaBoogaBoo is only an authorized card user not an applicant, therefore he is not financially liable for the account. Even if he were to pay off the CitiBank cc himself, it still would not help his credit history.

When he turns 18 and gets his own cc, the past credit history won't magically be transported into his name. Since the original credit card application had his parents info and not his.

I wish I were as financially responsible as AgaBoogaBoo is when I was his age.

Does that mean the purchases made now on the credit card won't help me at all once I turn 18?

Oh, and I don't think I'm financially responsible myself, but with my dad's help I am. :)

Thank you for the kind words

Does that mean the purchases made now on the credit card won't help me at all once I turn 18?
Correct because the credit card decision wasn't based on YOUR info, it was your parents income, debt and credit history.

I own a first merit mastercard but don't have any balance on it. Only charge items if necessary. Also my debit card which is my life!! Hate carrying tons of cash on me so I can whip this baby out and pay where ever. Lastly, I own a Firestone Charge card for those emergency car repairs I didn't count on! No matter what the amount, its always 90 days same as cash! My husband only carries a debit card because when he was younger he had a charge card field day! I married him, straightened up his finances and he agreed a charge card wasn't for him!

elena_398,

Those are very good spending habits you have.

Congrats on "reforming" your hubby ;)

I thought I posted in this thread but I guess I didn't :)

Anyways, I have a Delta Skymiles Platinium (American Express) Credit Car, a YapiKredi Worldcard Gold (European card from my bank @<hidden> home, best card ever with excellent benefits such as $100,000 accidental insurance worldwide), and my Wachovia Debit Card :)

MBNA- Have had it for 12 years, rarely use it but won't close it since It's the card I've had the longest

Firestone- I love the 90 day same as cash they do, especially when we need new tires

Homedepot- Can't resist the no intrest no payments for a year promotion they run, we just finished our bedroom and bathroom (And it's always paid off before the year)

Care Card- Its a card my dentist offers, 90 days same as cash, used it once when my hubby needed 2 wisdom teeth pulled 2 weeks before christmas

Sears- bought my washer and dryer with no intrest and no payments for a year

shanni, that's a good idea taking advantage of those "xx days same as cash".

It's a free loan with no interest charges :)

shanni, that's a good idea taking advantage of those "xx days same as cash".

It's a free loan with no interest charges :)


exactly why i want that new bank one platinum, 0% till Jan. 2006.

Alot of places, like furniture stores for example will give you the 0% intrest if you ask for it, even if they aren't currently running that promotion. I've done it 2 times now, once with Raymour and Flanagan and once with a smaller furniture we have locally. It can't hurt to ask.

Citibank Dividend Card...

I don't have a credit card but I have a debit card. It used to have alot of money in the summer until school started. It got lowered by books and lesser hours of work. :(

I got a Oceanfirst Checkcard. Great for those purchases where you dont have the cash! I have a Student Visa card I got 3 years ago. I keep it for my ebay and paypal purchases! Makes tracking the payments much easier! Then I have a Discover Platinum card I got a few years ago for everything else! I have always had excellent credit and never have a balance on anything! :)

I really want a credit card... my parents are convinced it's the worst idea I've ever had and Mum's telling me to avoid getting one, ever! I just turned 18 so there's no rush... but credit cards seem to call out to me! I want one, alright!

Is there anything to the idea that all one needs is a chequing account and a savings account?

Is there anything to the idea that all one needs is a chequing account and a savings account?

In the USA you need to be a citizen or permanent resident with a social security number.

In Australia it's probably different I'm sure you'll need a job (source of income) and a TFN.

we have

citibank
nordstorm visa
amex

and I HATE THEM ALL> THIS is the year I will be paying them off. UGH everytime I look at the bill it makes me sick

I have a Sears card. Got it when I needed to buy a fridge 4 or 5 years ago. I used to have a Capital One visa but they started charging a monthly fee for low-credit-limit customers, did not raise limits at customer's requests...so I cancelled it. Dh has none. In a way it's nice to know we aren't getting ourselves in debt, in a way I wish we qualified for just ONE card so we could have a higher credit rating--will need it down the road when we buy a house (years and years away though)...but it'll all work out by then.

In the USA you need to be a citizen or permanent resident with a social security number.

In Australia it's probably different I'm sure you'll need a job (source of income) and a TFN.

Not after one in the US and I should be right in Aust, but I'm just not sure I really should. Debt=evil especially for a student

Is there anything to the idea that all one needs is a chequing account and a savings account?

There are pros and cons to that idea. The pros, obviously, are that you can't rack up a lot of debt and ruin your credit that way. If all you have is a checking account and a savings account, then all you can spend is money you actually have. No debt! Yay!

BUT...if you have no credit, it's very, very difficult to get credit later on when you need it--like when you buy a car, or a house. You certainly don't want bad credit in those situations, but it's hard to qualify and nearly impossible to get a good interest rate if you don't have any credit at all. Plus, if you are ever in an emergency situation (and I mean a TRUE emergency, not "oh no, the college dining hall is closed and I'm hungry, I guess I am forced to go out to eat") it's good to know that you have a backup. Say your refrigerator suddenly dies, or your car needs a new transmission. Good to have a credit card in those situations.

I would recommend not getting a card yet. It's too tempting. When I was 18, I got a Target store card and a Mastercard from some bank--the college had vendors outside the bookstore with free gifts for applying, so I did. And was approved, even without a job. Overslept on weekends and missed breakfast (see above non-emergency, LOL) and bought things...soon I was at my limit. So I stopped using my card and was sure to make the minimum payment each month. Except then I discovered interest bumped my balance up above the maximum amount. Then I was hit by over-limit fees. It was awful. My limit was only $700 but I wound up with a $1000 balance, which, with no job and no money, took quite some time to pay off. (I had to get a job...telemarketing...YUCK.)

So, as I posted above, the only card I have now is a Sears store card, and that was to get a fridge when my very old one (that I had gotten free from previous tenants of an apt I moved into) broke. We don't really qualify for credit many places, I refuse to pay monthly/annual fees for credit cards...so I am just waiting for some old negative things to come off my credit report and then I ought to qualify again. If I do choose to get a card, it's going to be used only in true emergencies this time...or here and there when I already have the money to pay the bill, just to maintain a good credit rating.

I'd wait till you had more of a "real" use for it.