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How to Get Your First Credit Card

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How to Get Your First Credit Card Powered By Docstoc
					Presented by Daniel Toriola
Credit cards are very useful. Normally there is no requirement of any collateral, and the amount of credit is fixed on the basis of the perceived creditworthiness of the primary holder, which is usually dependent on the person’s credit score. Click here to know more

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How to Get Your First Credit Card By Tom Tessin

Being new to the credit card game can be a rough one, especially when you have no idea what’s going on in the market. If this seems like you, you’re not alone. Thousands of people like you graduate high school every year and have no idea on where to start to get their first credit card. While it seems like everyone and their brother say that credit is bad, it really isn’t. As long as you use it the right way, you really can take advantage of the rewards I’m going to show you some tips on how you can get your first credit card within a few days. Start with a student card – Most college students out there don’t realize that there are cards out there that are designed solely for them. If you’re a college student, you already have an advantage. Why? Credit card companies love to give out cards to college students because they believe that mommy or daddy will bail them out if they can’t pay their bills off in time. They also believe that a college student Is a little bit more motivated and a little bit smarter when it comes to managing finances. Remember, this is the company “thinking” this, not myself. If you’re a college student, I highly recommend you try out a student credit card. Go to a credit union – No matter what kind of town you live in, I’m sure there’s a credit union or bank nearby that you can check out. If you’re not a student after high school, try going to a bank or credit union to see if you can get approved for their credit card. Most of the times, you’ll be surprised at what they can offer to you when you have no credit. Credit Unions are a great way to get your credit started. Try a department store- If you don’t like the idea of the first two, try out a department store. Every major department store retailer such as Sears, etc, will carry a credit card that can be used at their store. This card, if you apply for one, will be helpful for you when you’re looking to build credit. Department store cards are a great way to build your credit because they tend to accept just about everyone. Be aware though, if you’re new to the credit world, you’ll probably get a lower credit limit. There are a few things to remember when you’re applying for your first credit card. Don’t apply for too many cards at once. If you do this, it’s going to hurt your chances of getting potentially approved for that card that would have approved you. If they check out your credit report and see that you tried to open up ten cards, this may look a little suspicious to them. My rule of thumb is to apply for one card and wait for the results. Once you get the results, proceed to the next step depending on what it said.
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Getting your first credit card isn’t a challenge; instead it should be a learning experience. If you follow the tips above, your first card shouldn’t be a problem! Find your first credit card and more of Tom's work at http://www.findcollegecards.com

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Tips To Apply For A Credit Card. By Anthony Hamerton

Tips To Apply For A Credit Card Filling out a credit card application is just like filling out a job application-everyone needs some tips to use so that they get approved. If your credit is bad, then it may be a little more difficult to get a credit card than if you have good credit. Do not give up, because there are hundreds of companies out there that offer credit cards for people with bad credit and if you shop around, you will find the credit card that is just right for you. If you are researching credit cards, the first place that you can get information is the Internet. The Internet has a lot of information about many different credit cards, including their rates, fees, and incentives, so that you can find the best credit card for you. There are some credit card companies that say that they will give you a credit card with no credit check. However, keep in mind that having a credit card almost always means that you are going to go into debt. Be cautious when choosing the credit card for you. Read the fine print of their terms and agreements to make sure that there are not going to be any surprises. Analyze your financial situation to make sure that you can handle a credit card and its payments. Even the most cautious of us go on a little shopping excursion every now and then and you do not want to be thrown into a financial tailspin when your bill comes in. Cautiousness is very important in using your credit card. If you are not sure that you can handle a credit card, then rethink applying. You need to be sure that when the bill comes in that you can make the payments. If you are not completely sure, then don’t get a credit card until you are ready. S & H Promotions. www.shpromotions.co.uk

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