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My daughter is trying to go to school to be a groomer. I am tying to see about getting a credit... |
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Date:
November 14, 2008, 5:41 pm |
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My daughter is trying to go to school to be a groomer. I am tying to see about getting a credit card thst could help her pay it for it, and I would like it to be in our name. The school cost is 6500.00, any suggestions? |
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Answer:
If you are looking for a joint credit card account, you won't be able to open it as both applicants should have a credit history. As you daughter has no credit, we advise you apply for a credit card in your name and put daughter as an authorized user on the account. She'll be able to pay with the card but she is not legally responsible for bill payments. If your personal credit is good, being authorized user on your card will build your daughter a good credit history.Almost all credit cards for good and average credit allow adding authorized users. If your credit is good-to-excellent, More® Card from Discover is a perfect choice. It offers no annual fee, lowest interest rate on purchases and extended credit line. Another good credit card is Citi® Platinum Select® Card® offering 0% on purchases/balance transfers and no annual fee. If you have average credit, in other words, you've used credit cards for less than 3 years and your credit limits are all lower than $5 000, consider Capital One Standard Platinum, a no annual fee plastic with reasonable purchase APR. If you make use of the grace period, you won't pay interest charges at all. Study the cards' features and requirements and apply for the right one for you. Then, add your daughter as an authorized user. |
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