Jan 20
Ok so I am super excited I was approved for this card. I applied online, and I was accepted. I was in so much shock because I have no credit, and other credit cards always denied my applications. anyway when I was accepted they gave me a number to call to verify everything on the application. i spoke to a live rep and he told me the terms and conditions and i will have my card by friday. it all seemed to good to be true, i hope it isn’t. They gave me a $250 credit limit. And when i get the card I have to call to activate it and I can start using it and building some credit. So is this a good credit card to help establish good credit? Also they didnt ask if I had a job. Like how do they know if I would make steady payments?
you better find out if you have to pay to have that credit card. Some companies say you have to pay a one time fee and other fees like annual, and the reps sometimes read so fast that all you have time to do is say “okay” but you don’t know what you really agreed to. If you’re not sure if your going to be able to pay your bill off on time, I wouldn’t get the card b/c the interest rate is probably to high and you will be paying it off forever if you “accidentally” let it go