Post # 1
So I have been against owning a credit card for my entire life. I just dislike them. I have a deep seeded fear that I will spend too much, because it is not real money, and dig myself a hole that I will not be able to get out of.
However, with a wedding a year away, and knowing that I will be spending alot of money, I came to the conclusion that getting a credit card to earn miles (for the honeymoon) might be a smart move. I would be able to pay off each month with the money I have in my wedding account and earn a bunch of miles points.
I do not have a clue on where to start since I have never even thought of getting a credit card. So I need some help. I want a credit card that I can use miles on an airline that flys to Europe. Something with a good signing bonus and something that earns double or triple miles, the more miles the better.
I have done a little research but it all looks like a foreign language to me. I need it broken down in very simple terms. Name of company, the sign on bonus and how much I need to spend in what amount of time in order to get that bonus, if the miles can be combined with other miles, and what is the interest rate. I just need it broken down into language a middle schooler could understand…any suggestions out there
Post # 3
I would check with your bank. They should be able to explain everything to you in simple terms and hopefully set you up with something.
You might have a hard time getting a good credit card (one where you get airline miles and stuff) if you’ve never had a credit card before. I highly suggest starting out with Capital One. They have none of the perks you are looking for, but depending on your credit score, you can build up your credit for a bit then apply for a fancier card in a few months.
Post # 4
I have great credit…thank you student loans…so I am not worried about being accepted for a credit card…
Post # 5
I suggest creditkarma.com. It will give you an estimate of your fico and give your recommendations and reviews of cards that you would be qualified to get. But in laymans terms.
Post # 6
You could get a Delta card or American Airlines, just google “Delta credit card” and all the info will be on their website. I have a Southwest one (they don’t fly to Europe) and I love it, I’ve gotten a few free flights and it links with my Chase checking/savings account. I pay off my credit card every single month, I’ve never had a balance and that’s the only way I really feel comfortable with having a credit card right now. It’s not like having a credit card turns you into a crazy person, if you don’t have money problems normally, you’ll be fine!
Post # 7