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New Visitor
Posts: 7
Registered: ‎03-06-2011
0

Advice on a good starter credit card

[ Edited ]

hey all.

 

Just wondering if anyone had any advice or ideas that would help, I'm looking to get my first credit card and I need to know if anyone can recommend a good starter card.  Not heavy on fees and of course, low rate as possible.   Thanks  in advance!

Epic Contributor
Posts: 27,422
Registered: ‎10-23-2007
0

Re: Advice on a good starter credit card

Do you have a credit score?

If so Citi Forward.

Fico Scores 8: EX 718. TU 699. EQ 658. 11/10/2015
New Visitor
Posts: 7
Registered: ‎03-06-2011
0

Re: Advice on a good starter credit card

yes it is 596

Epic Contributor
Posts: 27,422
Registered: ‎10-23-2007
0

Re: Advice on a good starter credit card

oh, what's making it so low?

Fico Scores 8: EX 718. TU 699. EQ 658. 11/10/2015
New Visitor
Posts: 7
Registered: ‎03-06-2011
0

Re: Advice on a good starter credit card

mostly a short credit history.  Only 4 years.  and of course no revolving credit accounts.. hence the desired info.  Smiley Happy

Epic Contributor
Posts: 27,422
Registered: ‎10-23-2007
0

Re: Advice on a good starter credit card

4 years isn't really all that short.

What is reporting on it for good and for bad.

Fico Scores 8: EX 718. TU 699. EQ 658. 11/10/2015
New Visitor
Posts: 7
Registered: ‎03-06-2011
0

Re: Advice on a good starter credit card

for good,   "no serious delinquincy"    for bad  "lack of revolving credit"  "1 collection on record for $543"  (paid)  "missed payments or derogatory statements"  (3, 30 days late payments on a car ive been paying on since july 07)  and "short credit history"

Moderator
Posts: 17,419
Registered: ‎07-14-2009
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Re: Advice on a good starter credit card


Miah420 wrote:

yes it is 596


Hi there. May I ask where you got your score? Is it a FICO score?

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

New Visitor
Posts: 7
Registered: ‎03-06-2011
0

Re: Advice on a good starter credit card

Yes it is from Fico

Moderator Emerita
Posts: 3,091
Registered: ‎08-09-2008
0

Re: Advice on a good starter credit card


Miah420 wrote:

for good,   "no serious delinquincy"    for bad  "lack of revolving credit"  "1 collection on record for $543"  (paid)  "missed payments or derogatory statements"  (3, 30 days late payments on a car ive been paying on since july 07)  and "short credit history"


How recent are the 30 day lates? How recently was the collection paid?

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