Reader’s Question:
Credit Cards! Help!?
Does anyone have an idea on which credit card would be an ideal one for a first time? I just turned 18 and even though I don’t want one, it just seems like something you need these days. Help!

Readers Answer:
Capital One. When my son turned 18 they offered him one designed for teens with a spending limit of either $500 or $1,000. It seemed like the ideal card to teach him credit card responsibility.

MoreMerchant doesn’t totally agree with this answer on a first credit card. We recommend a secured credit card at your local bank. Start with $500 or so, and work your way up. A Secured credit card helps you build credit in a safe way.

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Save Money: 51 Ways to Save Hundreds on Loans and Credit Cards About this Money Saving Book:A Message to ReadersYou probably think of loans and credit cards as services — as ways to borrow money and buy things. And of course, you’re right about that. But given the… Price: 3.99

Reader’s Question:
Does getting a credit card with someone with good credit help you slowly rebuild bad credit?
I used to have credit cards in which where sent to collections about 3 years ago. I’ve applied for credit cards, but they all deny me due to my credit history.

I was told if I have someone who has GOOD credit add me in their credit card account then that would help me bring up my credit score.

Answer:
Normally [Read more...]

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