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New Jersey MY First Credit Card

Discussion in 'NorthEast Regional Discussion' started by Night4554, Nov 17, 2003.

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  1. Night4554

    Night4554 Jedi Knight star 5

    Registered:
    Oct 9, 2000
    And [link=https://wwwa.applyonlinenow.com/USapp/Ctl/redirect?CV_sourceCode=K6BA&CV_MC=A000001CRM]which should I get[/link]?

    Vader, or Yoda?

    ¤Night
     
  2. Jedi_Satimber

    Jedi_Satimber Jedi Knight star 8

    Registered:
    Jul 3, 2002
    well...first off, are you approved?


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

    Padawan915 Jedi Master star 6

    Registered:
    Oct 1, 2002
    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

    Night4554 Jedi Knight star 5

    Registered:
    Oct 9, 2000
    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

    MysterySith MEPA Founder/Advisor FF NYC, NY star 5 VIP - Former Mod/RSA

    Registered:
    Nov 17, 2000
    Little purchases lead to big purchases.

    Get Yoda.

    I was denied. TOo much debt.

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

    DarthGyos Jedi Padawan star 4

    Registered:
    Apr 23, 2001
    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

    citizenjohn Jedi Knight star 5

    Registered:
    May 4, 2001
    Be careful with what you charge. Dont be like me & declare bankruptcy at the age of 27 :(
     
  8. XenoSphere

    XenoSphere Jedi Padawan star 4

    Registered:
    Sep 9, 2003
    Yo-yo-yo-yoda!
     
  9. buster726

    buster726 Jedi Padawan star 4

    Registered:
    Sep 19, 2002
    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

    Night4554 Jedi Knight star 5

    Registered:
    Oct 9, 2000
    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

    MysterySith MEPA Founder/Advisor FF NYC, NY star 5 VIP - Former Mod/RSA

    Registered:
    Nov 17, 2000
    Try Discover. They give cash back.

     
  12. buster726

    buster726 Jedi Padawan star 4

    Registered:
    Sep 19, 2002
    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

    Padawan915 Jedi Master star 6

    Registered:
    Oct 1, 2002
    Capital One: Low Limit to start off, but an excellent way to build credit.
     
  14. Jedi_Satimber

    Jedi_Satimber Jedi Knight star 8

    Registered:
    Jul 3, 2002
    might have to start with a Dept. Store card...

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

    Padawan915 Jedi Master star 6

    Registered:
    Oct 1, 2002
    J.C. Penny? Bah. Get a Sears card, much more useful. You can't get electronics or hardware at Penny's.
     
  16. MysterySith

    MysterySith MEPA Founder/Advisor FF NYC, NY star 5 VIP - Former Mod/RSA

    Registered:
    Nov 17, 2000
    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_Satimber Jedi Knight star 8

    Registered:
    Jul 3, 2002
    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

    Padawan915 Jedi Master star 6

    Registered:
    Oct 1, 2002
    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

    citizenjohn Jedi Knight star 5

    Registered:
    May 4, 2001
    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

    Padawan915 Jedi Master star 6

    Registered:
    Oct 1, 2002
    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

    citizenjohn Jedi Knight star 5

    Registered:
    May 4, 2001
    In NYS I think they are 23%.
     
  22. Full_Body_Asajj

    Full_Body_Asajj Jedi Youngling star 1

    Registered:
    Nov 18, 2003
    Sears was my first. JCP was next
     
  23. Ghosts_Of_Anakin

    Ghosts_Of_Anakin Jedi Knight star 6

    Registered:
    Jul 1, 2002
    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

    BellaSabrina Jedi Padawan star 4

    Registered:
    Oct 13, 2002
    My first was Express.
     
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