Which credit card for a 19 year old is the best choice?

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Money card
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Postby Money card » Tue Apr 03, 2012 9:33 pm

I would say either the journey card from capitol1, pass from American express or any student card from a Major bank. certainly if you have a checking account, stop in and try to apply for their credit card.


bmw1990Z
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Postby bmw1990Z » Tue Apr 03, 2012 11:33 pm

woodward wrote:I'm 19 and in college, and very considerate of my future finances. I have never had a credit card, since my debit card has been just fine for me. I am wanting to get a credit card to build up credit. I'm not the type of person who will abuse the card, and I will be paying it off every month.

I don't really understand how interest rates work, do you have to pay an interest rate on every purchase? or only if you don't pay it off at the end of the month? and I've read that some have different grace periods, so whats that about?

Also, a low credit limit wouldn't upset me because I don't spend much a month anyways, plus I have savings if I need too. I would prefer a card that doesn't have many different fees, but I guess I would take whatever is best.

So I guess I am just looking for any advice, and any recommendations on what card to get. There are so many choices that I am a little overwhelmed and would love some suggestions as to which cards are right for me.


Speaking from personal experience, when going to college, it is easy to get pressured into a credit card. Either for status symbol, the fact that it is your own and not your parents, or just because you want the perks, credit cards aren't always a good thing to start while in college. I'm a 20 yr old college student who has seen many friends go down the wrong path with credit so I feel compelled to tell lend ya some advice.
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

bmw1990Z
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Postby bmw1990Z » Wed Apr 04, 2012 11:43 am

My answer got cut off.....basically if you do not pay off your balance in full each month, your APR (interest rate) is the rate at which interest will be added onto what you already owe. As tempting as it is, do not open a credit card or charge card unless you are certain you can pay off your balance in full each month as this is essential to establishing good credit history. If you can however afford to pay off your balance in full each month, then you wont earn interest. For instance, I pay off the charges I make on my citi forward college card every week so by the time I get my bill at then end of the month, its 0 due and paying it off each week essentially gives it the functionality of a debit card.

Also, each time you apply for a card of any type, it 'niques' your credit score, so if you are sure you want one, (and have the income to afford one) then you should narrow down which ones you want and apply for them all at the same time.

There are plenty of threads on here about good college cards for college students. Citi Forward, Amex Zync, Discover Cashback just to name a few..hope this helps!
Cards in my wallet:

-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013



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