I need a credit card!

Ice Knight

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I need a credit card!

Ok, I need a credit card to use when I pay for stuff instead of cash. This way i'll be building credit come car financing time. But would I beable to get one?

I got a Elder-Beerman card a while back when I started there to get my discount, and to help my credit. But that's not exactly a very major thing. I need like a Visa or Mastercard! I know banks have credit cards designed for young people such as myself with lower limits and such, as well as a better chance of actually getting it. Ofcourse my mom is throwing a fit and acting like I have no chance of getting one cuz I barely have a job history and hardly any credit. Wouldn't they just jack up interest and cap the card with a low limit in my situation?

I'm with Fifth Third bank and they have Mastercard so that's what I would go after.


Oh ya, today was payday, I gots me 180 bucks more to add. And while I was there I asked my boss if I could get more hours and she had already added hours to my new schedule, so now instead of a shitty 15 hours a week i'm at 25, and this is awesome because their actually trying to cut down on hours!
 
Re: I need a credit card!

Use your Elder-Beerman card for a while and pay everything off on time... it will help you get a major credit card.

Also, there is a pre-paid mastercard I have seen. You put money on it, then spend it (you can't spend any money on it unless you have already put the cash on it) and, for some strange reason, this actually goes on your credit report as having a normal credit card.
 
Re: I need a credit card!

When I got my first credit card through the local bank I just had my parents co-sign for it.
 
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