What credit card do you use most often. Why?
443779
I paid off all of my credit cards and melted them in the fireplace.  Now I use my debit card.  I am debt free!!
453659
I have an Orchard Bank card and love it! Make sure you do not charge more than you can pay each month and if you keep a good credit history with them they will increase your credit limit. They report to all three bureaus and this will help you credit. Do not get to many credit cards as that looks bad on your credit report. Hope this helps! Also do not get one from Centennial or Firt Premier Bank.
1092709
If you have the cash available, use a credit card only if you're going to pay it off each month before interest kicks in - otherwise you pay a lot more for the item than the original price.
1087131
When I pull my credit score I get 4 top reasons why my score is good.  One of the reasons is having 2 or more major credit cards.  If you dont have any other major credit cards, take both.  \nIf you have to pick one, Chase is a good card, I have one.  Remember not to charge over 35% of the limit or it hurts your score, unless you pay it off before they report to the bureaus.
934702
Mastercard, VISA, American Express, and Discover are the four major credit cards, but there are probably many more not as well known cards out there.
482270
It all depends on if you want to pay an annual fee or not. There are plenty of custom cards out there that give you rewards in something you do quite frequently. For instance. I travel a lot and usually fly United, so I got the united visa which gives me miles everytime I spend. I also have an Amex which you pay a yearly fee for and they give you points and you can use these points for misc. stuff from airline points to jewelery. If you are looking for a card that does not have a year fee, the best one I see is the citibank dividends card. It gives you cash back like the discover card but it's better. It's better since if you read the fine print, the discover card gives you like 2% back, but it is on a ladder system meaning you have to spend like $8k before you get to the 2%, while the citibank dividends card gives you that 2% right off the bat no matter how much you spend.
634065
Credit Card's are nice to have,but bad to use unless u can pay the balance every month.My motto is if I can't afford to pay cash for it I don't need it.If food stamp's are necessary to get u through the month by all mean's use them that's what they are for.
998208
If you must have a credit card, get one with no annual fee and which pays you back.\n\nPersonally, I use a Citibank Platinum Dividend Select Mastercard, which pays back 5% on gasoline, supermarket and drugstore purchases, 1% on everything else.\n\nUse any credit card with extreme caution. If you don't pay your balance off in full (and on time) every month, the interest rates and fees will dwarf any benefit you will get from using the card. Most people make the mistake of thinking a credit card will stretch their money because they can buy things they don't have the money for. That's dead wrong. It doesn't stretch your money; it *shrinks* it. The reality is that you not only have to pay for what you bought, but interest on top of it. As a result, you'll eventually wind up paying $121 for something that you initially charged for $100. It's not a good way to live. Don't get in over your head.
26126
I think it helps to have two major credit cards.  Department store cards aren't as good to have.  Make sure you make all of your payments on time, and try to get a high credit limit so that you have a low percentage of balances compared to the amount of credit available to you.\n\nI use CreditInform, a service that reports my credit score to me 4 times a year.  It costs about $5.00 a month, and it tells you which factors are making your credit score higher or lower.\n\nGood luck with everything.  One final tip:  I pay my credit cards off (in full) every month, and don't allow myself to charge more than I have in savings/checking.  This has helped me stay out of debt, unlike so many of my friends.
1084613
Store credit cards have higher interest rates.\nThey approve more applicants more likely than banks, as they take on the risk of people with bad / poor credit, as well as possible delinquencies, but make people pay through the nose in interest to make more money.\n\nYou're better off getting a bank's (or credit union's) credit card as opposed to a store's.  Store's will generally give you certain discounts or promotions, but unless you pay off the full balance monthly, you're only hurting yourself.
441473
If it was only that easy! Looking simply at the interest rate is not the only factor in making sure you get the card that is right for you.\n\nI would recommend you visit the Financial Consumer Agency of Canada's web site. It is listed below. It contains a wealth of information for consumers including a great Credit Card Interactive Tool. The tool tries to list cards which meet your specific needs. It gives a very good comparison at the end.
8498
Probably your bank. They can usually open a secured credit card based on the amount in your savings account. It's also the safest bet for you, because it's a place where your money already is, and it's with a company you trust and already have a history with.
63954
E-loans, and if your credit is good, Wells Fargo, Quicken, or me personal favorites, AM express or Bank of america.
1018948
The most commonly used credit score in US is the FICO score. Scores can range between 300 and 850, depending on your credit history (on-time payments, debt ratios, etc.). According to an ad that runs frequently on Yahoo's home page, 678 is the average score across the entire US.
238420
You are always encouraged to borrow because that's how credit card companies make money!  Tips I heard from those money management seminars:\nOnly spend what you have. \nUse cash, avoid credit cards, because seeing money getting out of your pocket gives you more sense of "hey, you are spending" then using the plastic card.\nPaying for debts, be sure you pay some principal with your monthly interest. This way you pay it off faster, ending up with paying less for interest.  Works well for home martgages.
825829
My first secure card was with Bank of America. But you may check this link\nhttp://www.badcreditoffers.com/creditcards/
283459
a business card in your name would still count towards your credit score (boosts it if you're good with payments, lowers it if you're not.) If you own your own business then it's a good way to keep track of you business expenses. Keep in mind that having too many credit cards can be potentially harmful (e.g. if you spend more than you earn) so take some time to review the interest rates/fees/bonus features of each credit card and just keep one/two that are the best ones for your needs.