How to get free money on any debit or credit card
Updated January 30, 2019 Eighteen is a liberating age.
You're legally an adult.
You may be going to college soon if you're not already there.
And, you can get a credit card.
As eager as you may be to get yourmany credit card companies aren't so eager to give you one.
Rather than putting in several credit card applications to see who's going to approve you, target just a few companies that are known for giving credit cards to first-timers.
You need to be responsible enough to charge only what you can afford and to pay your bill every month without being can you win money at online casinos />Getting your first credit card before being fully prepared can spell.
Once your credit is damaged, it can be difficult getting it back on track.
If you're not ready, there are steps you can take to get there:.
Tara Moore Getty Images Getting approved for the first credit card can be tough, especially if you're under age 21 and more so if you don't have a job.
First, federal law requires that young adults under age 21 have click to see more income before they can be approved for a credit card without a cosigner.
Unfortunately, an allowance from your parent does not count.
You must have income from a job.
However, child support or government benefits may allow you to be approved.
The second thing that makes it tough to get the first credit card is an insufficient.
And, well, credit history is one of the primary factors that credit card issuers consider when approving an applicant.
Buero Monaco Getty Images Having a steady income, ideally, from a part-time or full-time job, will put you in a good position to get your first credit card.
Credit card issuers have to make sure you can afford to repay a credit card balance before they approve how to get free money on your credit card />Without your own income, you'll have to have a joint applicant who does have income to get approved for your first credit card.
Don't assume how to get free money on your credit card card with 'student' in the title is a good deal.
Some student credit cards have high-interest rates and annual fees, both which make a card a bad option for a first credit card.
You can apply online, but visiting a bank branch would put you face-to-face with a representative can you win money at online casinos may have more authority to get your application approved.
On the downside, they have high-interest rates that make it expensive to carry a balance from one month to the next.
Another downside of these cards is they aren't versatile—you can only use them in that store.
That limits what you can purchase.
However, retailers often encourage spending by offering discounts for using the card.
Having a retail store credit card as your first credit card can help you build up a how to get free money on your credit card enough credit see more to apply for a major credit card within a few months.
With a secured credit card, you make a deposit against the credit limit of the account.
The bank holds the deposit just in case you don't make your payments as agreed.
You may have the chance to convert an unsecured credit card later on.
For a first credit how to get free money on your credit card, look for credit cards that accept applicants with.
Applying for cards that are geared toward your specific credit history improves your chances of getting approved.
Avoid applications for credit cards requiring "excellent" credit as you will probably get denied.
Then, consider closing the joint account once you can qualify for a credit card on your own.
Astronaut Images, Getty Don't be surprised if you're denied for the first credit card you apply for—or the first few credit cards you apply for.
Even people with established credit histories are sometimes denied.
The information in this letter will be useful in planning your next step.
You may need to apply for a different type of credit card or jumpstart your credit by using a secured credit card.
ATM FREE MONEY TRICK (Life Hacks)
How to Get a Credit Card Applying for a credit card can be a quick and easy process if you know what you’re doing. Whether it’s your very first credit card or you’re looking to add another to your wallet, use the information in this article to better understand the process, from preparing to apply all the way through acceptance.
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