Which credit card is best for me?

Which credit card is best for me?

I'm an 18 year old college student with virtually no real credit history who wants to build up my credit fast. I make about $600 a month and about $400 of that goes to bills. Which credit card is best for me at this time and why?

Here is the problem with these answers....these folks probably talking from their own personal experiences. They had a credit card early on...screwed up.....

So naturally every young student is going to be as stupid as they are. Don't go it! Big mistake! Credit is evil!!!

NONSENSE!

It's important for young people to begin establishing a credit history.

Many companies are beginning to offer student some special deals on cards.

Take this bank for example. 1st Financial Bank is offering students a credit card deal..

You are given a card with only a $250 credit limit. You pay 0% interest on the first $250, and if you go over this amount you pay (I think) 18%. You only have to pay the minimum and pay on time, and the 0% interest stays.

The company reports to all three credit agencies so you will establish a credit rating. Over time they will gradually increase your credit limit, if you have paid on time and don't run over your limits.

This sort of deal would be perfect for you, but I don't know if it's available to everyone or just through their promotional programs. You would have to contact them.

If not, look around. Other banks are offering student cards. Just don't get crazy with them! Pay on time and you will quickly establish a credit history.