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/biz/ - Business & Finance

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1608638 No.1608638 [Reply] [Original]

Never owned a credit card and I feel like it's time to grow up and improve my credit so that down the road I can rent an apartment, house, etc.

https://www.capitalone.com/credit-cards/secured-mastercard/?Log=1&EventType=Link&ComponentType=T&LOB=MTS%3A%3ALCTMMQC4S&PageName=sc&TargetLob=MTS%3A%3ALCTMMQC4S&TargetPageName=Secured+MasterCard+Details&referer=https%3A%2F%2Fwww.capitalone.com%2Fcredit-cards%2Fgateway&external_id=CJA_ZZ12606445_USCCJ_K3842381_04fdabc6d3f344c29470f2a9891dc2f6#section_4

Since I have no credit, would the above offer be worth getting? Are there better alternatives? I'm a former NEET who is currently in college.

>> No.1608642

>>1608638

Also, I was thinking of getting a netflix account and using this card so that I can pay it off and build credit. Would that be a good idea?

>> No.1608669

As long as you don't fuck up and miss a payment, pretty much any card will do.

Seriously, pay on time and pay everything off.

>> No.1609012
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1609012

>>1608638
your thumbnail is fucking gay, if u get with a women because she likes your means, shes a gold digging tramp..also, id rather have no credit than shit credit...get over it and buy a pack of gum every week on ur fucking discover card and KYS.

>> No.1609089

>>1608638
Some banks offer "student" credit cards. Low credit limit but there's no deposit like there is with secured credit cards.

You should be able to get a better one within a year.

>>1608642
Do you literally not buy anything else?

>> No.1609120

>>1608638
>Never owned a credit card
keep it that way.

credit is a jewish scam.

>> No.1609122

>>1609120
>he doesn't pay off his balance every month and collect the sweet, sweet cash back from things he was going to buy anyway

lmao

>> No.1609138

>>1608669
what if you use it for tuition? it takes time to pay it off...

>> No.1609142

>>1609122
I've seen many reasonable people get into a jam and start bailing with their plastic. Next thing you know they got 10 large with 30% juice running, that's 300 a month and whatever other dings are in the small print, then it starts compounding. I have a prepaid card because they are forcing the plastic meme in so many places now but wow I've seen the plastic ruin many a life. So long is OP is careful and sure he will never start using it the way I described he might be OK. Back in the dark ages they would chop the heads off any money lenders charging more than 3% simple interest, really makes you think!

>> No.1609145
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1609145

>>1609120
>not getting free money for spending money
>carrying a balance

>> No.1609160

Credit isn't that big of a deal nowadays considering that most millennials are dead broke and can't afford to be spending like the boom years of the 80's and 90's.

>> No.1609264

>>1608638
>implying your mom tells you about that stuff