Credit Cards

I will leave this kind of suggestion to somebody more suited, I know there are a lot of fags on Veeky Forums that have a great credit card compendium. I'm just sharing my experience as somebody who had zero credit history going into college and came out with a score better than most I know. It's important to remember that as your financial life becomes more complicated, it won't be as easy as it was for me when i started - you have loans, more emgerencies that will result in higher utilization, more bills to keep track of - that's why it's important to follow the basics religiously and build a good score ASAP. But at that point, you should have a handle on things :)

Discover and CapitalOne provide credit scores for you from their agencies; CreditKarma will give you an estimated score as well

Student card (if you're still eligible) or apply to Discover, they give cards to almost anybody

Apply for Walmart or Discover for TU Fico 08, and there's also Amex for Experian

You think the paid sites aren't selling your info even harder.

No you're wrong its good advice for anyone under 25. it takes 7 years to max out the time on one fico. Or one 5 minute phonecall. Your choice.

My AMEX, Cap1, and discover, and barclays sallie mae card all give me a fico,

>candy
No that will fuck you. You need to call and find out the billing period and reporting dates.


protected, no get on authorized user status first. If you have 0 family, friends and are untrustworthy to the point where you can't convince anyone. Try AMEX charge card. first, you might get a credit card out of that deal with a phone call. Then try for a credit card somewhere else. Amex will often take a chance on nocreditfags.
You should only do secured after literally everyone denies you.

For your first credit card, just get one that has no annual fee ($0). The interest rates, late fee schedules, etc, don't matter as long as you pay on time.

Go for a Visa, Mastercard or Discover credit card. American Express is sometimes not taken at places I've tried to pay with it.

Also, in my opinion, Discover has the best website I've seen so far for managing credit cards.

>No you're wrong its good advice for anyone under 25. it takes 7 years to max out the time on one fico. Or one 5 minute phonecall. Your choice.

He's not wrong at all. This guy has clearly very little knowledge about credit cards, what makes you think his parents have amazing credit if they haven't taught him a damn thing about it? The advice your giving is very situational and not good for a new user.

Also, time on fico has little impact on score. Like other user said, you can get above 750 in a considerably short period of time, probably long before OP needs good credit.

So what is the point of getting a credit card if you're not meant to max it out?

I understand not carrying a balance, but surely if I'm maxing out my card and paying it off in full every month that speaks more to my ability to pay bills than using

Your credit card utilization is only reports to credit card agencies once per month, and forgotten forever. High utilization is often seen as a bad thing.

The point of getting a credit card is to:
- better fraud protection than debit cards
- rewards and cash back from spending
- give yourself a credit history of paying in full and on time

Not really, it means you're a riskier consumer. Paying a bill on time is paying a bill on time. It means you have to borrow more, which isn't necessarily a good thing.

Higher credit means you get better deals on loans, mortgages, etc. This means better interest rates and less money you're spending.

except apparently you're not supposed to use credit cards to spend money, because it increases your utilization