<p>I don’t have a credit card yet, but I read some good advice on this recently that I think might help you:</p>
<p>"Look at APR and any annual fees that would apply. The credit card that I have has an annual fee of $30 (I believe). That fee is placed on your first bill. You pay it once per year (hence annual). A lot of the times if you have little/no credit, or maybe just bad credit, those will be credit cards that you will be offered. Take the offer and use it as a chance to build your credit. You can apply online for these credit cards. The one I have is through Capital One, and its their MTV credit card. You can apply for that here: [Capital</a> One - MTV Visa Credit Card](<a href=“http://www.capitalone.com/creditcards/mtv/index.php]Capital”>http://www.capitalone.com/creditcards/mtv/index.php)</p>
<p>Also, according to my mother, JPMorgan Chase offers a good credit card. You can apply for it here: [College</a> Student Credit Card Chase Credit Cards.com](<a href=“http://www.chasecreditcards.com/student-cards.asp]College”>http://www.chasecreditcards.com/student-cards.asp) </p>
<p>I want to point out that credit card applications will ask you how much your rent is, if youre a student and you (financially) are NOT paying rent each month, dont put how much your rent SHOULD be each month. For example, I pay a standard amount of money at the beginning of the semester to live in housing. If I divided that up by the months and put that divided amount as my rent, they are not going to give me a credit card. Why? Because what is coming in (financially) is much less than what THEY THINK is going out."</p>
<p>I thought her answer was pretty helpful!</p>