Start out with any card that has no yearly fee. If you haven't established credit, good luck with that low APR. Use it sparingly and pay barely over the minimum payment for a year. Then pay it off. Sit back and watch better offers come in. Try going to credit karma and look at the card offers that are there.
I have way too many credit cards...shit's starting to get out of hand so be careful.
(This post was last modified: 12-16-2016 04:35 PM by LameDuck.)
My credits straight now. It was all kinds of fucked up years ago but I fixed that. I just want some option and see what works with other people and shop around.
After paying off my last one a couple of years back I didn't use another one until last month when lots of things were piling up at once and I had no choice. I fucking hate them.
For years I did the interest free for 12/18 months thing, get a new card, transfer the balance and repeat. My head can't handle simple money juggling these days.