Get Visa Card !!!

How Can I Get A Visa Card ?!!!

I`m 18 years old, just finished high school and frequently I find myself on the internet wanting to buy cheap things in the $20-50 range, and I was wondering how and if I can get a $500-$1000 visa.

I would probably only touch $100 of it and then keep my card and not use it to obtain good credit.How would I go about this? I know that you can apply online but I'm not sure how or where...Also, how long does it usually take to get accepted and get your card.

The Answer : Secured cards are the easiest to get approved for reason being that you would place a deposit upfront as collateral to secure a line of credit. Where you bank like bdancer mentioned may offer these, a lot of the major banks (Citi, Bank of America, Wells Fargo, USBank) do.

You can think of this as building credit with a savings account, because that's basically how it works. That deposit is usually linked to a savings account or CD that gains interest while you build credit. The 2 major advantages of secured cards are the easy approval and the ability to increase the credit line yourself by adding to the deposit. For example, if you deposited $300, your credit line would be $300.

These "starter" credit cards are a perfect way to custom build a high limit credit card and save up money while you're building credit. You could very well apply for a regular card, but also run the risk of getting declined because of a lack of credit history. With a secured card, you make your history as you go, and you have more control. A good way to manage the card would be to make small purchases ($20-50 monththat can be paid off on time every month while adding to the deposit to increase the credit line as this would be extremely helpful in building credit.

High credit lines show responsiblity with credit as well as provide yourself a considerable cushion between what you owe and what you're able to borrow. Usually after a year or so of paying on time and keeping the balance low, if not 0, the card either converts over to a regular card, a better card's offered and more importantly, the deposit's no longer needed and given back.

Keep in mind that the deposit is gaining interest while you're building credit so when it does convert, you'll have interest attached when it's given back to you. I've posted several links to some secured card companies that should work for you. Hopefully, this answer helps

Good Luck!