Fast Credit Card Advice

If you've never had credit cards, most probably you've got no credit. But in truth it's no big deal, especially if you're young. Some lenders offer specially-designed plastics for those who intend to build up credit, and all you need to do is to choose the one that suits your needs best.

Platinum - Visa by Capital One can be a good choice. It should be mentioned that this card is designed for those whose score varies from no to average, in other words for all those people who want to establish stable credit. The strong point of this credit offer is a low ongoing APR, plus it also offers 0% interest rates on purchases within the introductory period.

Another card by Capital One that may suit you is Standard Platinum. The great thing about this deal is that it has no annual fee, and a 0% APR on purchases.

If you are a student, feel free to consider No Hassle CashSM Rewards for Young Adults from Capital One.

This card also comes with 0% promotional rates on purchases, plus it allows earning cash back rewards on every purchase you make with the card.

Check through these options and choose the one that meets your requirements.

Probably the best way to establish credit is to apply for a credit card. Good news is that you're of age and can qualify for credit cards. But unfortunately, you haven't mentioned whether you're a student or not. The point is, you can be eligible for really great credit deals if you are a student.

So, what are your options? Platinum - Visa by Capital One is a good choice for beginners. It must be said that this card is designed for people whose score ratings range from no to average, and the chances are you'll qualify for this card, especially in view of the fact that you try to build your credit history from scratch. With Platinum - Visa, you can enjoy a 0% APR on purchases within a set period of time, plus it has really low ongoing interest rates.

Classic Platinum by Capital One is another option for you. It also comes with an interest-free period. But it should be mentioned that the card comes with a low annual fee. Plus, it gives good discounts on eligible purchases.

If you are a student, Citi Platinum Select Card for College Students will suit you requirements best. This card comes with no annual fee, a 0% APR on purchases and balance transfers, and what's more importantly, with relatively low ongoing interest rates. It's a really nice card for building good credit.

A balance transfer card that gives 0% interest rates for a long period of time and comes with no balance transfer fee is really a nice option. Sad to say, but there are no more such plastics out there, the last one was pulled from the market several months ago. So, you can find either a good plastic with 0% interest rates or a low fixed rate card with no balance transfer fee.

Discover More Card, one of the top balance transfer credit cards, can be a good choice for you. It gives 0% interest rates for 12 months. It has no annual fee. Plus, it comes with a capped balance transfer fee. It means that you will pay no more than $75 even if the balance you're going to transfer is really big. Let's say you want to transfer $5,000. When applying for the card which has no balance transfer fee cap, you'll pay a $150 balance transfer fee. With the card that comes with a capped fee, like Discover More Card, you'll pay twice as less. The difference is obvious.

More Card - American Flag by Discover also gives you a long interest-free period on balance transfers and a capped fee, plus no annual fee and unlimited cash rewards.

If you don't want to pay any balance transfer fee, Clear from American Express will be ideal for you. The thing is, this card comes without any fees at all. Though this plastic gives no 0% APR on balance transfers, it has low fixed interest rates on BT. They're really low, and if your debts are heavy, it makes sense to apply for this card.

Review the above-mentioned cards, compare them and choose the one that suits your needs most.

To be approved for a card with $10,000-$15,000 credit line you need to have good or excellent credit history. That means that your credit score should be over 660 FICO points. We recommend the following cards issued by Capital One:No Hassle PointsSM Rewards Credit Card. With this card you can get a credit limit of up to $20,000. It has no annual fee and a great rewards program. There is no limit to the points you can earn.

No Hassle MilesSM Rewards Credit Card. This card might also give you up to $20,000. This card is acclaimed for its excellent rewards program for travelers.

If you do not qualify for these offers because you have limited credit you can start with credit card offers with moderate credit line of about $2,500-$3,000, such as Standard Platinum credit card.