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I have reviewed all of these first time credit offers for people with no credit but my question is... |
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Date:
October 19, 2006, 7:32 pm |
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I have reviewed all of these first time credit offers for people with no credit but my question is why are there so many fees on these credit cards? If I get a card with a 250 limit by the time they take out the fees I have nothing left... to me thats crazy. What other ways can I get credit established I have no credit at all. and I am a college student and I dont want to mess up... before I get into the real world .
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Answer:
Well, the worse you credit history is, the higher fees are, as the banks try to cover the risks this way. As you will earn better credit, card with fewer and lower charges will be available for you. Now you can make a deposit in a bank (that will add to your score) and as an alternative to a secured card, you can apply for a card with a cosigner. Or, if you don't want to mess up at all, do not try to establish credit, as you'll have to pay accurately to avoid damaging your credit history. |
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