which credit card company is the best for a noob person like me?

[fido_fido]

hi,

hey i turned 19 years old last month and now i want to want to get a credit card. I was wondering which company would be a good choice to start out with without having any credit history? and which one is better visa or mastercard?
i have a steady part time job working at Canadian Tire and i worked there for a little more than 1 1/2 years and earning about $10,000 - $12,000 a year. Last tax i did for 2006 i earned $10,239.65 total

[ids748]

are you a student at any post-secondary institution?

[fido_fido]

are you a student at any post-secondary institution?

I go to Sheridan College in Oakville ... but i just finished shool and i don't think i qualify for a student credit card

[nwwong]

If you have a bank account w/ any of the big banks, try applying there.

Or maybe the canadian tire credit card?

[heymike]

I had a hard time as well with no credit history so I went on a family members card. That does nothing for your credit score however once in "the system" the offers come quick and you can pick up a card rather quick.

As long as there is no fee you are good. Cash back or PC points for groceries are probably the best if you are a student. You have to spend a lot to make anything with airmiles cards, the good ones usually have fees. I like Visa myself; dislike amex out of principal as they usually charge the highest % to merchants. A mastercard clerk pissed me off over an $8 fee so I had to boycott them for life out of spite.

[J_u_n_i_o_r_3]

bmo has nice features

[ricenice]

First card i got when i turned 18 was the TD GM Visa it has a simple $500 limit which was enough at that time. You dont really ahve to be a student to have a student Visa. They just have to think you are. I'v been out of school for 3 years and i still have a student Visa and a student bank account. :cheesygri

[Coltsfan]

When I tried to get my very first credit card 8 years ago, I kept getting declined because I had 0 credit history and just started my first real fulltime job and had nothing of ownership in my name. I applied for a student card online even though I had already graduated. I got a very basic Visa through CIBC and started building my credit history from it. It builds very quickly and managed to get approved for other cards within months.

[fishstick]

Ummm... just turned 19 and finished college.

Sure there

[fido_fido]

Ummm... just turned 19 and finished college.

Sure there, why not go to www.citizensbank.ca and apply.

well i finished first year of college ... my bad ... lol

[ynchu]

You will love the Starwood Preferred Guest MBNA card! Read the article RFD has.

[FrugalTrader]

hi,

hey i turned 19 years old last month and now i want to want to get a credit card. I was wondering which company would be a good choice to start out with without having any credit history? and which one is better visa or mastercard?
i have a steady part time job working at Canadian Tire and i worked there for a little more than 1 1/2 years and earning about $10,000 - $12,000 a year. Last tax i did for 2006 i earned $10,239.65 total

In my first yr university (i was 18), i obtained a student card with a $500 limit. Check w/ your bank to see which student cards are available.

[raniosman]

Hi Everybody! (R.I.P Dr. Nick lol)

anyways i am also in the same situation well kind of. Im 18 and have a fulltime job for the summer and maybe during the school year. I start University in September and my main bank is scotiabank.

I was wondering is it best to go after credit cards from your bank company? anybody here with a student card from scotia or tried it before?

[jeeva86]

MBNA was my first cc, which I got while I was in school and had no job.

[perplexed_one]

When I tried to get my very first credit card 8 years ago, I kept getting declined because I had 0 credit history and just started my first real fulltime job and had nothing of ownership in my name. I applied for a student card online even though I had already graduated. I got a very basic Visa through CIBC and started building my credit history from it. It builds very quickly and managed to get approved for other cards within months.

i applied and got approved a student CC when i was 17. had a 500 cap for a year, ive worked my way up to 1500.

To the OP: i think mastercard with either BMO or PC financial is a good bet.

[CSIFan29]

My first was RBC - $1000 limit. I had no credit.. Now I have various cards, up to $3000.