Buying first credit card…Need help!?

Nettie: Buying first credit card…Need help!?
I’m trying to apply for a credit card. I’m going to be traveling in about 3 months. I have 95% of the amount of the plane ticket, but I need to buy it in the next couple of weeks to get the cheaper price. I just started my credit history a year ago and have not missed any payments (it was a car loan). I’m trying to do as little applications as I can, I made the mistake of applying to a lot of credit cards last year because I was trying to build my credit and got rejected for “lack of credit history”. Which card would be best for me or which card will I have the greatest chance of getting with no annual fee? The APR doesn’t bother me because like I said, it will be paid off in less than 2 months. And please no responses of “don’t get one at all”, I realize what kind of debt it can get someone into and I will only be using it once a year for a plane ticket and it will be paid off in the next 2 months. THANKS!

Answers and Views:

Answer by Steve D
Very few cards have annual fees anymore. Just look around for the card with the lowest interest rate.

Answer by Dixie Darlin’
I just helped my niece yesterday apply for her first card. She has a car for two years with a perfect payment record and the only card that she was eligible for was a card from HSBC and it has a 79.00 annual fee.

The best cards to apply for that are known for helping build credit are Capital One, HSBC and First Premier.

Capital One’s website has a section to complete to see if you are pre-approved for any card before you actually apply, it is a good idea to do this, it will save you an inquiry on your credit report.

Answer by The Truth Prevails
You can get a credit card from one of the airlines…maybe even the one you are getting the ticket on…it will come back to pay dividends in the future…
I have one with Delta and AMEX…I have received several free tickets and discounts from having it!

Answer by Natali
Credit cards have become a necessity in society nowadays, you can’t go anywhere without having to use one. That’s why it’s imperative to maintain a good credit rating and use your credit card smart. Lots of credit card related question been asked here and yours just another one. Check out this website and it may answer your question,

Answer by Jim
cards.hotusa.org – try this one. You can compare different credit cards and choose the best one for you.