Credit Cards

[enve]

So, im absolutly clueless, im about to turn 18 this august, and i want my self some credit cards! I have no credit, how do i go about getting my cards? I want atleast a 3-5000$ limit on them so i can buy car parts then get in debt and pay them back, blah blah blah, but yea, what do i need to do?!?!?! lol thansk for the help

[RSX-S777]

My brother just went through all this. Was rejected over and over...finally American Express gave him a card. You'll just have to find one with an astronomical APR. And remember, you're never too young to have crippling debt...

[doucmehu]

3-5k!!!! Are you nuts? You will never get a limit that high in the first year, and why would you want to rack up high interest debt asap?

[Karen512]

It's fairly easy to get credit cards these days. I had $40,000 in credit cards (not debt) by the time I was 19. Apply online with Discover, AmEX, Visa. Just try all of them, that's what I did and I have like 10 different credit cards.

[enve]

What information do you need to provide when applying? Can you use a PO box? and do they need SSN number ect?

[Karen512]

Originally Posted by enve

What information do you need to provide when applying? Can you use a PO box? and do they need SSN number ect?

Yes and yes

[korndogg]

i get friggen credit card applications saying im approved all the time from visa and capital one and i have no credit.

[THT]

SSN, address, income, the works.

I don't mean to be offensive but if you plan on getting a lot of credit just to mod your car, you're being short sighted and stupid. Interest is a killer and snowballs on itself very very quickly. Irresponsible credit card use will destroy you. Bankruptcy and all it's ill effects will haunt you for the rest of your life. Don't be dumb. Get a card, charge a few things, pay it off on time, don't carry a balance and for God sakes, spend within your means. Build credit slowly, and carefully. Find cards that reward you like Discover. It's worth it in the long run. I'm one year shy of graduating from college and I've accumulated the credit necessary to purchase a house as soon as I graduate.

~THT

[enve]

Is there any way i can get a cc w/ out using a SSN?

[THT]

Probably not. Every app I've ever seen or filled out asks for the SSN.

~THT

[psychobadboy]

$3-5000 limit huh? Right...
At first, you'll probably only be able to get a limit of $500 with no past credit. It'll probably take 1.5-2 years to get a $5000 limit if you use the card and make payments which are more than the minimum. It's best to pay off your balance every month.

And yes, you do need a ssn.

[BLU CIVIC]

Originally Posted by RSX-S777

My brother just went through all this. Was rejected over and over...finally American Express gave him a card. You'll just have to find one with an astronomical APR. And remember, you're never too young to have crippling debt...

AMEX gave me my 1st card when i turned 18...worst thing they cold have done....don't get a credit card until ur ready... ...but yes...u'll start out w/ a $500 limit

[enve]

Okay thanks for the info, so i can get cards from different CC companys right? so i can have like 7 cards, and then run them all to the $500 limit, then once i reach that limit they can't be used anymore and i just have to pay them off?

[RSX-S777]

Is there a reason you don't want to give them a SS#...are you a fugitive?

[BLU CIVIC]

Originally Posted by enve

Okay thanks for the info, so i can get cards from different CC companys right? so i can have like 7 cards, and then run them all to the $500 limit, then once i reach that limit they can't be used anymore and i just have to pay them off?

eh...u don't need on