I’ve decided that I have no choice in the matter, I’m going to be getting myself an actual credit card sometime in the next few weeks. I love the idea of only spending what I have but now that I’ve moved, finances have changed and my outcome is a slight-bit higher than my income for the time being. I figure it’d be easier to get myself a simple card and work from there. My problem is finding the Best Credit Cards for my needs.
Who do you currently have your cards with? I know that there’s really only Discover, Master card, Visa and American Express. The thing is, each of those cards have quite a few companies attached to them, so which one are you with? Baby is with Chase and while they’re great for student cards, they aren’t that great for non-students looking for low interest rates. At this point, I’m not sure of where to turn. Sure, there are sites like creditcardsearchengine.com to help me out, and they have, but I’d like to know what my peers are using as well. So any and all comments on the subject would be nice.
In order to get a card with an interest rate under 14%, I need to have excellent credit. While I do have a high credit score, I’ve never owned a credit card so I’m completely stumped as to how to go about pursuing the “Excellent” credit based cards when I don’t even know if I’d pass. I know the proof is in the pudding and it only requires actually trying it, but I guess I’ll have to keep searching for it.