MY First Credit Card

Discussion in 'New Jersey' started by Night4554, Nov 17, 2003.

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  1. Night4554 Jedi Grand Master

    Member Since:
    Oct 9, 2000
    star 5
  2. Jedi_Satimber Jedi Grand Master

    Member Since:
    Jul 3, 2002
    star 8
    well...first off, are you approved?


    Secondly...get the opposite one of what RJ has. :p
  3. Padawan915 Jedi Grand Master

    Member Since:
    Oct 1, 2002
    star 6
    Don't get either...it's all about debit cards. Don't fall into the credit card trap that most college students, like myself have fallen into.
  4. Night4554 Jedi Grand Master

    Member Since:
    Oct 9, 2000
    star 5
    I have a debit card, but I want to build up good credit by making little purchases a month and paying it off.

    ¤Night
  5. MysterySith MEPA Founder/Advisor FF NYC, NY

    Member Since:
    Nov 17, 2000
    star 5
    Little purchases lead to big purchases.

    Get Yoda.

    I was denied. TOo much debt.

    I really wanted that Darth Vader bust. :(
  6. DarthGyos Jedi Master

    Member Since:
    Apr 23, 2001
    star 4
    Be careful. To build good credit is one thing, but too many "this rounds on me" can lead you down a dark path.

    HINT: Charge only what you have money for.

    Also, go Vader!!!

    Have FUN!!
    ~DG~
  7. citizenjohn Jedi Grand Master

    Member Since:
    May 4, 2001
    star 5
    Be careful with what you charge. Dont be like me & declare bankruptcy at the age of 27 :(
  8. XenoSphere Jedi Master

    Member Since:
    Sep 9, 2003
    star 4
  9. buster726 Jedi Master

    Member Since:
    Sep 19, 2002
    star 4
    Well Beware before you do this if you want one of the cool design cards you NEED Good/Excellent credit. You MUST qualify for $5000 worth of credit otherwise you will get a card that just says Star Wars in the upper left corner. Just thought you might like to know that before you get too excited.
  10. Night4554 Jedi Grand Master

    Member Since:
    Oct 9, 2000
    star 5
    Do any of you know if there are any cards I can get as my first card with no credit that gets me points or miles or any cool crap? If it's just going to say Star Wars I'm not going to be too happy.

    ¤Night
  11. MysterySith MEPA Founder/Advisor FF NYC, NY

    Member Since:
    Nov 17, 2000
    star 5
    Try Discover. They give cash back.

  12. buster726 Jedi Master

    Member Since:
    Sep 19, 2002
    star 4
    Discover is a good option. try the bank where your money is they might give you some incentive cause you already have money there.
  13. Padawan915 Jedi Grand Master

    Member Since:
    Oct 1, 2002
    star 6
    Capital One: Low Limit to start off, but an excellent way to build credit.
  14. Jedi_Satimber Jedi Grand Master

    Member Since:
    Jul 3, 2002
    star 8
    might have to start with a Dept. Store card...

    forget Sears...try JC Penney's....they were my first.
  15. Padawan915 Jedi Grand Master

    Member Since:
    Oct 1, 2002
    star 6
    J.C. Penny? Bah. Get a Sears card, much more useful. You can't get electronics or hardware at Penny's.
  16. MysterySith MEPA Founder/Advisor FF NYC, NY

    Member Since:
    Nov 17, 2000
    star 5
    I have a Toys R Us Visa from Chase. If you spend enough they send you TRU money. It is especially good if you shop at TRU alot since purchased there are worth more than other purchases.

  17. Jedi_Satimber Jedi Grand Master

    Member Since:
    Jul 3, 2002
    star 8
    Herb, you can get electronics at J.C. P's.

    But Sears is absolutely the hardest card to get.


    When I had AAA Credit, where I could buy a house if I wanted too...I still could not get one.
  18. Padawan915 Jedi Grand Master

    Member Since:
    Oct 1, 2002
    star 6
    I was preapproved and I was 20...and I had AA credit. And I had a starting credit limit of $1,500. I don't know what the hell is wrong with you Shawn. ?[face_plain]
  19. citizenjohn Jedi Grand Master

    Member Since:
    May 4, 2001
    star 5
    Sears has like 23% APR, as does Macys. Shawn is right, go with the J.C. Penneys card. I think they are around 18%.

    John
  20. Padawan915 Jedi Grand Master

    Member Since:
    Oct 1, 2002
    star 6
    I don't see how you get 23%? When I looked at my most recent statement, my APR was 17%. Honestly, depending on your credit, you'll get decent credit or APR or not. Meh.
  21. citizenjohn Jedi Grand Master

    Member Since:
    May 4, 2001
    star 5
    In NYS I think they are 23%.
  22. Full_Body_Asajj Jedi Knight

    Member Since:
    Nov 18, 2003
    star 1
    Sears was my first. JCP was next
  23. Ghosts_Of_Anakin Jedi Grand Master

    Member Since:
    Jul 1, 2002
    star 6
    My first was Structure actually. I couldn't believe they approved me cuz I had absolutely NO credit whatsoever. But hey it worked out.
  24. BellaSabrina Jedi Master

    Member Since:
    Oct 13, 2002
    star 4
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