Should I get a credit card?

If you don't have any credit scores, it's very hard to be approved for a card. Another thing is, you're jobless. I think it would be best to look for a job first (if possible), and save money first. It doesn't mean that if everyone has, you should also have one. Try to also consider the consequences of having a credit card. There is a very big interest rate. Credit card companies are promising freebies, zero percent interest rates, and many others, but in return, you'll have to also pay for a very high interest rate after few months.

NO, you do not need a credit card. It will only get you in trouble. Save your $30. for something you need. Paying for a credit card is a rip-off.

Ok...here is my opinion on credit cards. I think that having one for an emergency is handy, but not one for everyday use. There are also a lot of things to watch out for. Don't apply many times for credit. Every time they check your credit score, it goes down! I didn't know that and a car lot once ran my credit through so many places that it dropped my score into another interest rate bracket! I was very upset when I found that out. Another thing to look out for is the APR..is it variable or fixed? Is there a yearly fee to pay or just an opening fee. It is very hard to get credit without credit. It also hard to do without some money to start. There are what they call "secured credit cards" that people sometimes use to build credit. You have to have the amount of the limit upfront in an account held by the bank to get one. It is a no risk trial for the bank to see if you are going to be responsible when they allow a real one. Use it a few times, make some payments on it and soon you will get a regular one with a much lower interest rate than you wold right now. Payments are the key to building your credit. If you charge and pay off right away..it's not the same as making payments at a certain time every time. You might consider a small loan based on collateral. That can build credit. The biggest thing is to plan your finances very carefully and read all the fine print. If you don't understand how something works, ask. Good luck and I am going to post you a link so you can start some research before you decide. http://www.creditnet.com/Library/Credit_Card_FAQ/What_is_the_difference_between_fixed_and_variable_aprs.ccfaq_024.php Not a referral link

Actually, does your credit card will charge you annual fee, or does the APR rate will be high on the card you are intend to apply? If there is fee or high interest rate, I will advise you to shop for better card, since you don't have job and you might not want them to charge you something you might not be able to afford. A credit card will improve your credit score, but it may also harm you.

Do you really need a credit card? If you already have the money to spend, then only spend that - credit cards should only be for emergencies really...it's so easy to get in debt with credit cards and there's no point to them unless you are sure you can pay them off or need some emergency credit...

It depends. Having one credit card that you only use in emergencies or for something you really want but don't have the money for at the time wouldn't be so bad. But if your one of those people who can not control themselves & love to shop then no. I would definitely not advise you to get a credit card. As long as you make your payments on time then you really should get into debt, but like I said a credit card in the wrong hands can be very dangerous. Just limit yourself to what you use it for or how often you use it & you should be just fine. I honestly wouldn't get more then one credit card though because that's just asking for trouble.