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What is the best credit card for a first time user to credit?

Im looking for the best credit card. Im new to credit and never had a credit card before and im 23.

I want a really good credit card that wont get me into troble. I need a credit card so i can pay bills when i move out at the end of Jan.

I want a low interest and a 0% apr for 12 months if possible

Any advice?
OH AND NO ANNUAL FEES

Your apprehension on interest rates already worries me. If you want to build good credit and it is your first time, it isn't about the interest rate really…. it is about you paying it off religiously.

I have one credit card that I got in college. I use it every couple of months and pay it off accordingly.

Credit cards aren't about accruing debt.. their about establishing yourself in order to get a home or car loan eventually.

This entry was posted on Sunday, January 4th, 2009 at 10:38 pm and is filed under First Credit Card. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

5 Responses to “What is the best credit card for a first time user to credit?”

  1. Kevin A Says:
    January 5th, 2009 at 4:10 am

    You may have to build up to a real credit card. I had to do a prepaid credit card. It shows up on your credit report as a real card so it builds up your credit. I have capitol one now and as long as I pay my payment it is a low apr.
    References :

  2. nothingconstant Says:
    January 5th, 2009 at 4:59 am

    Your apprehension on interest rates already worries me. If you want to build good credit and it is your first time, it isn't about the interest rate really…. it is about you paying it off religiously.

    I have one credit card that I got in college. I use it every couple of months and pay it off accordingly.

    Credit cards aren't about accruing debt.. their about establishing yourself in order to get a home or car loan eventually.
    References :

  3. farahwonderland2005 Says:
    January 5th, 2009 at 5:26 am

    Try Orchard Bank. You can apply on their website.
    References :
    http://www.orchardbank.com

  4. wcnghj Says:
    January 5th, 2009 at 6:11 am

    If you have been with a certain bank or credit union, go there. They will give you a secured card(you deposit so much into a savings account incase you default.)

    For example, they will take $300 and your credit limit will be $300. You do not get this $300 back and it will not make payments for you.

    Please pay in full every month, that is the only way not to get in trouble…
    References :

  5. Bill C Says:
    January 5th, 2009 at 6:56 am

    cards.hotusa.org – try this one. You can compare different credit cards and choose the best one for you.
    Some of them provide 0% interest rate for 12-18 months.
    References :

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