What first credit card should i apply for? help?

[Libraryanna]

Don't get a credit card until you have a job. Otherwise, you will get a poor interest rate and you will have a card you can't pay back. Income first, debt second. And always pay the card off in full every month. The only time you shouldn't is when it is an emergency, like a vital car repair or medical care and you can't pay it off. This is the time to learn responsible card use. When you get a card, put it in a hard to get place in your wallet so you will most likely use the debit card, check, or cash first. In fact, with a debit card usable just like a credit card, you won't really have need for a credit card.

The first card to get would be a gas company credit card. Use it to fill up and then pay it off every month. That will establish a credit record. Then you go for a low cost credit card. That means start an account at a credit union, use direct deposit of your pay check, and after 6 months or a year, apply for a card through them. Their interest rate can be as low as 9% compared to 25% or higher with some credit cards.

The place you apply for usually picks the kind - so Chase bank will offer Visa or Master Card - which is a generic type of credit card name offered by a lot of banks.

I recommend credit unions because they are smaller, have better interest rates, and more personal service than big banks. They are also more likely to help you out in need.

Apply through your credit union or bank website, not random online sites. That's dangerous.