best credit card
A credit card is a system of payment named after the small plastic card issued to users of the system. In the case of credit cards, the issuer lends money to the consumer (or the user) to be paid later to the merchant. It is different from a charge card, which requires the balance to be paid in full each month. In contrast, credit cards allow the consumers to 'revolve' their balance, at the cost of having interest charged. Most credit cards are issued by local banks or credit unions, and are the same shape and size, as specified by the ISO 7810 standard.
Acrow
asked:
"I just finished college, and work full time. I have a debit card, and building good credit from paying off loans. A lot of people have been telling me to get a credit card, but I wonder if it really is necessary. Please give me some good reasons to get a credit card other than building good credit. The only other advantage I know about is those point-system/rewards credit cards, that earn you miles or other things. And what is the best credit card to get for a first time credit card holder? The number of choices are a little overwhelming. How did you choose your first/main credit card?"
Question posted courtesy of:
beauty s replied:
"get one from orchard bank or chase.."
Chris G replied:
"If you haven't needed a cc up until people have been telling you that you need one, don't worry about it. You really don't 'need' one. The only reason that I got my cc (aside to help with my credit score!) was for emergiencies-and that was at my hubby's suggestion. I ended up applying for a card through my bank/federal credit union. They will be easier than any other place, especially if you have been with them for a while. Make sure you have NO annual fee. Aside from that, pick and choose."
Smoovy Loco replied:
"Well, let me be the first to tell you that a credit card can be a "safety net" in the event that you're in a crunch in between paychecks, and especially renting cars. Granted, you can use your debit card, but you better have the money on it, becuase credit and debit cards work completely different in that respect. But even if you just make small payments that you pay off in full every month, it's another way to build credit, which you can't build alone just by paying off loans. Credit and the scoring system is designed to where you should show that you can handle different types of credit both installment(car,furniture,appliance,personal signature, and mortgages) and revolving (credit cards and line of credit). An example of a balanced mixture of credit is 3 credit cards (2 major and one department store card) and either one paid or currently paying installment account. Now while it is a good thing to have a credit card in the event of emergencies that may come about that could potentially wipe out your checking account if you use that, it's important to know the true meaning of needs vs. wants. Credit cards are not bad, it's the judgement of some people that use them. They easily confuse the 2 and that's where the problems arise. As long as you keep your priorities straight, and use credit like it's supposed to be used, then you should be ok.A credit card you should look for, ideally is one without an annual fee and a low or 0 introductory interest rate. But my advice is to keep the balance no more than 30% of your total available credit to minimize the interest anyway. Chase, Bank of America, and Citi all offer fairly good cardsI hope this answer helps out,Good luck!"
Wheels replied:
"I would highly suggest getting a credit card.If you've been using your debit card to pay for things, consider substituing with a credit card. Just use your credit card to pay for everything, then write one big check at the end of the month. This is so much easier when it comes to balancing your checkbook. You don't have to keep track of all the stuff you bought with your debit card. You just look at your credit card statement and write one big check, it's easy. The rewards are a great way to get cash back and earn travel miles and things. Some people even put their rent on their card, or have their car loan payments and mortgage payments run throguh their cards before they pay them. This is a huge way to earn rewards points. Cash back is a big enough incentive for me any day. Building good credit is one of the most important things you can do for yourself financially. Remember that. Scroll down to the credit card search area on this webpage:That's the best page I know of for finding a card. I would also heavily suggest that you don't use your card to purchase things you don't have the money to pay for. Don't carry a balance, and if you do (gasp) always pay more than the minimum. Remember that credit cards are a way to manage your finances, not a way to go crazy. Don't use credit cards to compile more debt.Hope that helps"
John replied:
"I use credit cards to build credit and get cash back on purchases. You can get up to 5% cash back. If you are interested go here"
moviegoer_j replied:
"The answer is simple: You get the rewards card that pays you the most for *your* normal spending profile. To quickly determine which reward card will pay you the most for your normal spending profile, you can use this rewards calculator:Then you can funnel most/all of your normal spending through the card(s) to build your credit and earn maximal rewards. Just remember to always pay your balance in full every month!"
boboy replied:
"do you really need it right now? ask your self that.. if u really need to.. check this page out"
bijan a replied:
"you might want to go here to compare them"
Evilish13
asked:
"I have good credit and im in the market for a business credit card. What company offers the best rates, offers, cash back programs ect? Please give me some ideas on programs i should look into from the major cards like, AE, Discover, MC, and Visa."
Question posted courtesy of:
Abcd replied:
"if you have good credit you should be able to get a good card I like American Express business card this card give you rewards point that you could redeam just about anywhere free flights or items, check out and go under business credit cards here you will be able to compare them side by side, on rates, fees and rewards, a rewards card is the best way to go. "
Dfreeman replied:
"AE is the best, but also the hardest to get approved for. Check here for more details."
DAVID J replied:
"I hope my suggestion might be helpful,though you need to make the judgement yourself.I have tried this good resource.http://creditcard.expertips.info/card-company-consolidation-credit.html"
Sarah M replied:
"I use Discover for business and Chase for personal. Here is why:Discover has had a long tradition of being different. When the Discover card was first introduced there was no annual fee, - that may not seem like a big deal but back in the day it absolutely was. Discover credit cards also offer cash back rewards. For a business using Discover for their corporate credit cards this is a big advantage - you get cash back for spending. And the best part about using these particular corporate credit cards is that the cash back rewards are targeted at specific purchases that you will make as a business, such as gas, travel and office supplies. The current standard APR on Discover corporate credit cards is 13.99%. There is also a 0% APR introductory offer. Remember - these cards come with a grace period of at least 25 days when you pay the balance in full each month. This means you can run your business interest free on Discover's money in 25 day cycles.A lot of the others have shorter grace periods - something most consumers don't think to check up on."
lavina c
asked:
"What is Travel credit card? Which is the best credit card company for visa card and master card? I’m thinking to get a visa card and want to know that travel credit card allow earning point when you use it for purchase."
Question posted courtesy of:
drew2376 replied:
"Here's where some CC companies get you. All of them offer great rewards POTENTIAL. Sorry for the caps but it's important. The truth is you have to find out what the qualifying purchases are. The best ones are the cards you get points for paying your utility bill and gas. Most people have to buy gas and have utility payments why not use your card and get the points. Just save the money you normally do for those payments and send it to the CC."
moviegoer_j replied:
"I'm going to build off the first reply that suggested getting a credit card that pays you rewards on the spending that you would normally have on gasoline and utilities.There are all kinds of rewards cards that pay different rewards percentages (between 1% and 6%) in many different categories of spending -- gas, grocery, drugs, restaurants, home improvement, office supplies, travel, utilities, etc.The best card for you will depend on how much you spend in those various rewards categories. An easy way to figure out which card is best for your spending profile is to use the free rewards calculator at ."
illusional_reveur
asked:
"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?"
Question posted courtesy of:
purplepanda (: replied:
"Don't use a credit card. Just use a debit card.. you don't need credit cards."
See Saw replied:
"Get a Charity credit cardCharity credit cards are gaining widespread popularity in recent years, because people are enamored with the thought of supporting their preferred charities at obviously no additional cost to themselves. When you opt for one of these cards, a one-time small donation is made by the card issuer to the charity associated with the card, and subsequently a small percentage of your expenses on the card is donated by the card issuer instead of the cardholder.Cards available today cover big range of charitable organizations, both local and national and at times, even international. So you can be sure there will be at least one charity supporting your favorite cause."
harish replied:
"Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at"
traffic816 replied:
"You might wan to go here and compare them and pick the best one that is right for u. "
Tiffany D replied:
"Get a capital one credit card with a small credit limit so you don't get in trouble. Its working for me! Just fallow these guide lines and it will lead you to a better credit score. It just takes time and responsibility. Also I would get a free credit report at freecreditreport.com they give a summary of what your credit score means and how you can bring it up. What factors raise your Score: You've paid your bills on time and currently do not have any overdue accounts or derogatory information, such as a collection, charge-off, or bankruptcy, on your report. You can be proud of the fact that you are helping yourself maintain a good credit score, so continue with the positive credit behavior! You have no open installment loans, such as auto loans, on your credit report. This positively influences your credit score because lenders feel you are more likely to pay your other bills without the fixed monthly payment attached to an installment loan. Your credit report does not contain negative public records, such as a bankruptcy, lien, lawsuit or judgment filed within the last two years. This is having a positive impact on your credit score. Although public record items may remain on your credit report for seven to 15 years, depending on the item, an important piece of your credit history is paying your bills on time, every time."
Rose
asked:
"I would like to know which credit card is best since I am a college student. Some people tell me it's "Capital One" other say that's the worst since they get unknown charges, others say that the credit card from your bank is better. So which credit card has been best for you guys??? This is my first time getting a credit card (in which I hate them' cause u get addicted to it) so I have no idea of which 1 to get."
Question posted courtesy of:
J13891 replied:
"Go with Visa. Most everyone in my family uses it and there are no real problems associated with them (to my knowledge)."
bydway1 replied:
"Don't get a credit card at all.Open a checking account with a bank and get a debit card with a VISA or MASTERCARD logo. You might consider overdraft protection, but then you'll start paying interest.Don't get a Western Union Prepaid debit MasterCard. They have the worst customer service."
IamIntresting replied:
"I would reccommend getting a debit acrd that reports to the credit bureaus. The Eufora Credit Builder Mastercard from Bank First is a "loaded value" card. You put $ on it and use it like a debit card. The beauty is that it helps build your credit and you are charged 0% interest because you are using your own $. You also ant get in debt! Here is a link to apply:Here is a page that you can find dozens of oother student cards to compare:"
traffic816 replied:
"The best CC is citcard,go here to compare credit cards, it really depends on want you want."
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