credit card?

ok, i'm planning to get a credit card for first time, i don't have credit backgrownd,so, how do i start or what do i have to do to start credit backgrownd?, and what's APR?, thanks if you can help me.

Public Comments

1. just read and know all the info they give you. have a checking account so you wont have to use someone elses checks to pay towards your credit card.
2. If you are a student you may want to look into the student credit cards, because they are a bit more leniant on no credit history. APR is the annual interest rate.
3. You can find a complete list of credit cards for people with little or no credit here: http://www.asapcreditcard.com/unsecured-offers.html Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards-- they'll help you build and improve your credit score. Eventually, with regular on-time payments-- you'll be able to apply for better offers with lower APR's and less fees. Hope this helps. GOOD LUCK!
4. http://www.moneysavingexpert.com/creditcards this is the best site for impartial advice bar none if you invest an hour it may save you hundreds of pounds in the longterm. I even used this site to source my mortgage
5. APR = Annual Percentage Rate. Do not take the first offer you get. Match them up against one another. If you want to build some credit record, go to your bank and ask for a Secured Credit Card. It is like a credit card but linked to your checking account. Do not confuse yourself with a Debit Card. It is almost the same, but you can build a credit history on it.
6. Go with a credit card that doesn't charge an opening fee, annual fee or anything like that, thats just riping you off!! And please of the love of everything DON"T MAX OUT YOUR CREDIT!! I am still paying off a $3000.00 (maxed out) credit card that i have had for like 3 years now and am not getting anywhere!! And the APR is the percentage of your amount spent that you have to pay every month. It changes month to month depending on how much you spend... it is an interest rate that would make a shark loan blush!!! If you want a really good way of building credit that doesn't include signing the contract with the devil (credit card companies) go to the bank and take out a $500 loan. Put the $500 in a bank account and DO NOT SPEND IT! Each month that $$ out of the $500 and pay the loan. Easy way to do it and you don't get stuck with a lot of debt!!!!
7. Apply for an American Express Blue Credit Card: Apart from no annual fee feature of the American Blue Express it also gives cash returns on specific purchases. Users of the American Blue Express also enjoy protection against fraud for online credit card transactions. This card tries to right the various wrong notions about the American Express credit cards, one of which is that it is a credit card only for rich or those who have money to keep a credit card.
8. Hi there. First of all, let's take a quick look at what APR is. This stands for annual percentage rate, and is a means of determining how much interest you pay on a credit card. The high the APR, the higher the interest payable. Therefore, you will definitely want to select a credit card that has the lowest possible APR rate. Many credit cards offer an introductory APR of 0 for a pre defined period of time, after which a new APR is applied to balance on the credit card. As mentioned before, you definitely want to select a card that will charge you the least amount of interest on your outstanding balance. Another important aspect of choosing a credit card is selecting one that best suits spending habits and your lifestyle. For more information on this, please go to: http://www.smartecredit.com/fyi/credit/1340.php Now to your main question. I have found out over time that the best type of credit card for persons in your predicament, our credit cards issued by Orchard Bank. For more information on these credit cards and to possibly select one that will best suit your needs, please go to: http://www.smartecredit.com/hsbc_credit_card.php I hope this information is of value to you. Wishing you all the best in your future endeavors.