If you plan on paying the card off during each billing period, the various options and characteristics of a card may not matter to you. For unsecured credit cards, an annual income of at least $12,000 is a common requirement of eligibility. If you have no established credit, a guaranteed secured credit card may be something you'll want to consider. Whatever type of card you decide upon, try to get a card with no annual fee and of course, get the lowest interest rate you can find. Make sure you check out the grace period (they differ). You may also want to check how the balance is computed. Try to get a card that goes by your adjusted balance rather than average daily balance. When I first got my credit card (thanks to my parents) I would subtract each purchase from my check book just as though I had written a check. That way, the money was already there to make my monthly payment. Last thing... never, never, never take a cash advance. Sorry for the ramble.
AF
Friends may come and go but sisters are FOREVER.
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