I need to get a credit card so that I can build credit. What credit card is the best to get as far as low interest rates, and everything?
      Answer1:chase Manhattan. they have good points. and after 1 year of having them u can become priestage..*2 points...g2g bye
      Answer2:In normal circumstances, if you have a bad credit rating (for whatever reason), you are seen as a bad risk to credit card providers and you will therefore struggle to get a standard card. However, many credit card issuers recognise that some people may have changed circumstances and are now able to build a new credit rating. For those people issuers provide a credit card to accommodate this need, but at a price.To compensate for the possible risk, the providers offer cards for bad credit at higher rates of interest therefore, they do not form a sensible method of long-term borrowing. As long as the balance is paid off every month, the user will begin to build up a better credit rating which, in the long run, may lead to the opportunity of obtaining a standard card with better rates. Cards for bad credit offer access to funds, the chance to purchase items online or on the phone, and an opportunity to rebuild your credit rating (as long as the balance is met on time).http://loan-house.we.bs/creditcards.htmlCards for bad credit often have some additional features such as no annual fee, the opportunity to increase the credit limit after a few months and security safeguards such as warnings for unusual card activity.Top Tips for Credit Building CardsEven if you’ve previously been refused for a standard card you may be able to get a card for bad credit These cards are ideal if you have credit problems over 12 months old, are new to credit or self employed The credit limit will start out low but can increase Pay your bill on time and you will improve your credit score. Interest rates are high so, if possible, pay off your bill in full each month
      Answer3:A card with 0% interest and $0 annual fee with no penalty for late payments. Since these cards dont exist, there is no credit card that is worth getting.Building credit (FICO score) is the banks way of extorting money from you (through high interest rates) to get a lower score. If your score gets too high, they will reduce your credit card limit to lower your score. They will raise your interest rate for any reason whatsoever (universal default clause) even if you are late for an unrelated debt (utility, other credit card, house payment). They will even lower your credit limit or raise your interest based upon your shopping habits (frequent cash advances, high night club or other entertainment expenses of dubious nature, types of things you buy with your credit card (necessities vs non-essentials). They will even raise interest rates based upon the economy which you have absolutely no control. You could even face higher interest rates based upon other people in your demographic group (higher risk).They all start with a low interest rate, but Ill guarantee the rate wont stay low. They also have various ways of increasing your interest charges to their benefit (two-cycle billing). Two-Cycle Balance The average daily balance is calculated from two billing cycles rather than one, and finance charges are higher. The grace period for customers who carry a balance is wiped out. If the bill is not paid in full at the first billing, interest becomes retroactive back to the purchase date.
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