Posted by I need a handle on January 31, 2009 at 05:34:02 from (155.42.143.18):
Hello folks, Since this site attracts high traffic from all walks of life it seems that its appropriate to ask almost anything. Right now I am looking for a banker.
I am interested in getting my first credit card. It isn't because I want to buy anything, but because I am becomming wise to the fact that building a credit rating is mighty important. I have heard online that credit card companies flock to college campuses to hand out cards like candy, along with T-shirts, and those tricky teaser rates. I have been here for almost a year and have yet to be offered one, but perhaps it is mainly because I attend a small community college.
My next question is, how much do I need to earn to qualify for a card? Right now I am only working part time on an on campus job, so my income is only in the hundreds of dollars and not thousands.
If I do get a card, I am thinking of putting a little gas on it (something I need rather than want) and carrying a small balance of less than $500. Is that small of a balance enough? I am not sure. The only reason I am at all interested in a card is to build a credit score.
Thanks, I need a handle, who also needs a credit card.
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Today's Featured Article - Seeing an Old Friend - by Joe Evans. Dad had a concrete contracting business starting in 1960. One of his first pieces of equipment was a Ferguson TO-35 with a Davis loader. Dad replaced the TO-35 with a MF 202 Workbull, essentially an industrialized Ferguson 35 I am told. Dad bought the 202 new in 1962, and I recall quite clearly going to the dealer with him to sign for it.
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