Getting your first credit card, loan

YES a credit card is a loan, NEVER FORGET THIS FACT.

If you are lucky enough to afford college. You can apply for a college credit card program.

I recomend discover card or bank of america.

STAY AWAY FROM CHASE AND CITIBANK,. Avoid them like the plague, unless you like being hit with 30% interest rates because of a single forgivable mistake.

Both of these companies did this exact process to me. BUT all they got was their accounts cut up and paid off within 15 days and some major BBB complaints.

I do believe in putting their crud on FRONT STREET so all can see how crooked they are.

IF you dont go to college, you can try a secured card from bank of america as discover does not have one.

You could go to wally mart

wal mart has a discover card and their wal mart card

You apply for the wal mart card and get it.

NOW YOU USE IT IN A MANNER THAT DOES NOT COST YOU MONEY.

If you have a super wal mart in your town,

Just tell moms you will fly for groceries and give you the cash.

put the cash in your bank and pay the bill with your card

accrue the bank interest till the bill comes and pay the bill in full when it comes.

Do this for 6 months to a year

and you should be able get approved for a wal mart discover card.

You can also do this with a gasoline credit card but it takes longer.