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How To Get A Credit Card For The First Time?
Anna Staples is a reporter and expert on all things credit and personal finance for the younger generation.
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What To Know About Credit: What Was The First Credit Card?
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Transactions — American Express: One Of The First Plastic Credit
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Tips For Using Your First Credit Card Wisely
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If you’re down for your first credit card, commend yourself for doing your research before accepting the first offer you receive. Credit cards are not created equal. Even among starter credit cards, terms and benefits vary. Here’s everything you need to know to help you choose the right card for your situation.
Before you apply, make sure you have a good understanding of the basics of loans. You should know how credit card interest works (and how to avoid paying it) as well as how credit scores work and why they matter.
My First Credit Card
Once you’re confident about using your first card, it’s time to start weighing your options. If you’re new to credit, you won’t have access to many credit cards because issuers don’t have the data to assess how much of a credit risk you are. Still, there are several ways you can access your first credit card account.
A great way to get your feet wet is to become an authorized user on someone else’s credit card account. You will have some access to the account, but the primary cardholder is responsible for making payments. This is a good option if you are under 18 years of age. Credit card issuers can’t offer you their products unless you’re 18 or older, but most cardholders allow a minor to be added as an authorized user.
If your parents add you to their credit card, their credit usage will show up on your credit report, helping you quickly find valuable credit history. But there’s a caveat: When you piggyback on someone else’s account, you’re relying on their timely payments to boost your score. If your parents (or anyone else you ask) don’t always use credit cards responsibly, having your name on their account could do more harm to your score than good.
You don’t need to have a card in your name or use it at all – as long as your name is on the account, you’re an authorized user. But this can be a great opportunity to practice being a responsible cardholder. Talk to your parents about a comfortable amount for you to spend each month and pay them each month for what you spent. This will help you get into the habit of making monthly credit card payments.
Credit Card Application
If you’re over 18, you don’t have to ask your legal guardian for help if you don’t want to. But as noted, if you have limited or no credit history, credit card issuers have no way to check how responsible you are with your credit. For this reason, they may only give you “safe” options, which may not be very tasty. But these cards serve as a gateway to better credit — and better credit card products.
These options include store credit cards, student credit cards, secured credit cards, and credit cards designed for borrowers with no credit or low credit scores. However, beware that some cards aimed at people with bad credit do not offer favorable terms. For example, it doesn’t make sense to pay an annual fee for a card that doesn’t offer rewards, especially if it’s a secured card (meaning you paid a deposit to apply for it).
Even after you’ve identified the type of credit card that you think is best for you, you’ll want to compare different options in that category. All credit card companies offer different benefits to cardholders, so it’s worth shopping around until you find a few options that work best for you.
For example, if you like to travel, you’ll want to find a credit card that offers great travel rewards and perks like lounge access and hotel upgrades. You also don’t want to be stuck with a credit card that charges a foreign transaction fee
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