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Discussion in 'Credit Talk' started by u2asian, Mar 29, 2000.
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If you are talking about a credit card, I think not unless you are at least 18 years old. If you are 18 and have no credit established, I would recommend a secured credit card from a reputable institution like Capital One or Orchard Bank. After approx. 1 year of a positive payment history, you should begin to receive offers from other companies. Do not apply to all of them & do not keep applying to many companies. This will hurt your credit as potential creditors will think you're desperate for credit & may run out on them without paying the bill. I hope this helps. Good luck!
An alternative is to see if your parents wont let you be an "authorized user" on one of their VISA or Mastercards. THat will initiate a credit file. One caveat......make sure there are no late payments on that card or they will give you a less than stellar record in your file.
Best regards C.R.
I Highly recommend Orchard Bank, they actually will take the time to educate you about your card. And, they even have a bit of a grace period on payments (and theyâ??ll waive your first late fee without any grief) I like them because the people on the phone are easy to talk to. ~Marty