stefan wrote:I know I could go for a secured card, but I really dislike the idea of a bank holding my money and collecting no interest for a year.
My bank currently gives 0.01% in interest checking for accounts under $10k. To find out 0.01%, you divide by 10,000, right? So if I put $2k into interest checking, $2000 / 10,000 equals $0.20. So if you don't like the idea because you're missing out on your rightful interest, there's not a whole lot to miss, and it's not a bad trade to sacrifice 20 cents. If it's a matter of principle, that's different. :o)
Otherwise, I'd look into a starter credit card. They often come with an annual fee. Last fall, I ended up picking a Capital One Platinum when I was sifting through all the starter card offers out there.