- Centurion Member
- Posts: 196
- Joined: Tue Dec 03, 2013 1:53 pm
- Location: Dallas
I would not recommend charge cards when you're a student. To off-set the annual fee, you must spend a lot. If you're rich, then never mind. I would recommend to apply some no-annual-fee credit cards with good reward/ cash back program such as Chase Freedom, Discover It. Why? Because you need more credit lines to lower your utilization. The utilization ratio plays second most important factor on your credit report.
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.