Help with credit cards

NJ113
Thu, 16 Aug 2007 20:21:11 +0000

Since you pay off your balance every month, you should be indiffierent to the apr. That’s the only way to use a credit card. Use the float from the bank rather than paying them any interest. Look for a card without an annual fee. Apr is only important if you think you’ll carry a balance, which I recommend you don’t. Since you took adavantage of the reward program with Amazon, you might want to look for another card with a reward program.

You should apply to cards that are structured and marketed to college students. As towerpumpkin mentioned, take a look at the Citibank mtvu card: http://citi.bridgetrack.com/usc/06/Multi/sitelet/College/college/mtvu/default.htm?BTData=C021079736C61745E5C4C47BFBEB0AFA19E908490F0F6F7E8EAC5C2D6F176076&BT_TRF=585164&app=COLLEGE&sc=4C7CW035&m=40G200000KW&langId=EN&siteId=CB&B=V&ProspectID=62BCF04C3064475AACA60700826ED87C