I need a Credit Card. HELP!

The best credit card for someone just starting out would have to be capital one. There is never a monthly fee unless you go over your limit. I had never had a credit card before and they were the only company that would give me one. They approved me for an unsecured card which means I had to place a deposit before they would allow me to use the card. I didn't want that so I just threw out the letter and a couple months later they sent me a letter informing me that I was approved for a regular one with a limit of $500, so I took it. Another option is getting a prepaid one for things like cellphones. They do not actually charge your credit card if you do contracts and it says your phone is $0 unless you actually buy something else off their websites or in store.

If you have good credit, I suggest you get one through your bank. Most banks off er 0% for 6 months, then have a 6% interest rate (permanent) that's the way to go. Don't get more than 1 card and never get store cards. If you ever need a loan, those store cards will work against you!

Credit cards are good and I like them and then sometimes I don't like them. Now the reason I got a credit Card is because I need to have credit to do some things and when I got my first credit in my hands it was like looking at some gold. I though now I will be able to get my credit up then I can do those things I want to do but it dose not go as fast as you think. I started to use my new credit card and what I found out is don't use a credit card unless you have the money for every your going to buy so you can pay the bill right away. Even though my credit was only $300 I still used it up and I could not pay it bake all at once so I had a new bill where I had to pay the min every month. I say get the card but only use it when you have the money for what every you are buying that way you wont get in to credit card debt.