im fifteen years old. i need to find a way to get a creditcard, the only idea i have of that is the tcf bank in my town at cubfoods i am wondering if i can buy video games online using this..it is a savings acount type thing, is this the same as a credit card and is it able to work if i add money to it and type it the cards number when it asks for the creditcard number where im buying the games?

Loan Union

I have no credit history cause i’ve never had a credit card or borrowed money or anything and I want to establish credit now. well I applied for a credit card that required a deposit..secured credit card will that help boost my credit and how high will my score go once i start establishing credit?

Show My Shots

Alright, I have searched the internet and asked people this question. I want to get a credit card to help build my credit. But I am having trouble finding a real credit card. I do not want a debit card. I know they exist, so please help me. Is there a real credit card for people with absolutely no credit?

E Law Blog

I am looking to raise my credit score and I have been turned down buy credit card companies and I spoke with someone that said I could get a pre approved credit card but i thought all credit cards were pre approved. Please help me I need to raise my credit score. Thanks

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I’m soon to be 18 and am looking to get a credit card to help build credit. My dad said the best thing to do is to just use it to buy gas, but I’m not really all that up to date on how credit cards work and which ones are the best. Does anyone have any wise credit card wisdom to pass on to me?

Photos Union

Before you even take your first class, it is a certainty that you will be receiving credit card offers from all directions. If you are going to school away from home, these student cards can be a valuable tool for your day to day expenses and traveling home for visits alike.

A student credit card can also help with the costs of redecorating your dorm room to something a little more you. Finding the right card which is perfect for you all start with completing an application.

Companies who offer these cards are in fierce competition for your business – they may even approach you as you stroll around your campus. Some companies offer perks like clothing and food if you’ll just fill out one of their applications. Needless to say, you shouldn’t decide on it because of free pizza or a ball cap. Everyone loves getting something for nothing; but this is an important decision. You should decide based on the features of the card and nothing else.

Above all, don’t just go for the first offer you get. Compare at least three offers first – or better yet, take your comparison shopping online.

There may be many different companies who want to extend you credit. They might even each offer the same credit limit. How do you choose the right card for you? The first step is to determine how much this card is going to cost you to use.

Some student credit cards come with an annual fee. The other cost to think about is the APR (the interest rate). A card with no annual fee is what you should look for. If you don’t have to pay an annual fee, avoid it. You can find one if you look around.

The interest rates you are likely to find will be somewhere between 11 and 17 percent. Besides the interest rate, you might find some other things which might influence your decision.

There affinity cards; such as ones featuring your school’s logo. There are also cards for environmental and political groups.

Some of them offer you reward points which you can trade in for rewards such as travel. You earn points by keeping up your payments and not spending over your credit limit.

Some stories also points in conjunction with these cards; meaning you’ll get more for your money when you shop here with a rewards card. Some even offer cash back; of course, not every purchase will qualify for these rewards.

Of course, you can also sit back and enjoy the free snacks while listening to the campus credit reps pitch – just keep in mind that these representatives will probably not give you the information you need to make a wise decision about student credit cards.



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sharonhague asked:

Get out of debt quick with these simple yet powerful strategies from Sharon Hague.

Creditcards Value

John Ugoshowa asked:


No matter where you look, there is always a credit card company that is offering reward programs with their credit cards. New ones pop up all the time, making it sound too good to turn down. Even though they may sound great, you may wonder if the rewards are truly worth it. In some cases they are, although in others they may not be quite as good as you would like.

Although having more than one reward card is something many people instantly think about, you should always keep in mind that not all of them are worth having. Even though using your credit card is always good, you can sometimes end up paying quite a bit if you don’t pay attention to what you are buying. When it comes down to credit card reward cards, you should use caution – with a dash of common sense.

Any reward cards that come with high interest rates should always be avoided. With most reward cards, you’ll find that they include higher rates of interest than standard cards. This higher interest rate can quickly and easily offset any type of reward. To be on the safe side, you should always look at the interest rates and determine if the reward is indeed worth it. If you pay off your entire balance at the end of every month – then this won’t be a concern at all for you.

You should also keep your eyes peeled for reward cards that offer a high annual fee. These cards can be very tough to keep a grasp of, and they can also interfere with any type of reward you may think your getting. If you look at the fine print before you get choose your reward credit card, you can help to eliminate problems.



Cash back is a type of reward card that is becoming very popular. A lot of the top credit card companies and banks offer cash back programs that are normally around 1% for every purchase that you make. Before you rush out and get a reward card, you should always make sure that you read the fine print and see if there is a maximum limit on the card.

Another type of popular reward credit card is the type that give you points for every purchase you make using that card. Once you have accumulated enough points, you can redeem them for items and other cool things. Some cards will have limits as to how many points you can receive, which again makes it your best interest to shop around.

There are also credit cards with frequent flyer miles, which have been around the longest. Some cards will base their rewards on points, while some choose to use actual miles. For every dollar you spend using your frequent flyer credit card, you’ll receive either a point or a mile. Once you get enough accumulated, you can redeem them. Most frequent flyer rewards take about 25,000 points or miles in order to redeem them, which can make it nearly impossible for some to reap the benefits of using the card.

No matter where you look, finding the right credit card reward card can take some time and effort. You may have no problems finding the card to fit your needs, and if you do, you should consider yourself lucky. Before you choose your card however – you should always take the necessary time to read the fine print and compare what each unique company has to offer you.

You can find the best choice of credit cards and pre-paid cards at www.CreditCards.us (http://www.creditcards.us)s)



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