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I don't currently have a credit card (I'm 22, and in college). I have debated getting one so that I could work on getting a credit rating, but haven't yet.
If I did get a card, I would pay it off every month, and would be using it just so that I could start to get some credit rating for down the road..
Would MBNA be a good option for me, or is that a card that should be reserved for those that already have decent credit and aren't "new" to the credit card scene?
Also, providing I would go with MBNA, is there a big difference in regards to which card you choose? For instance, I was looking at the National Wildlife Federation card, and it seems to offer the same things as the others.. The only difference I saw was a mention of each dollar also accounting for a "Point" which could be used towards other purchases.
For those of you that do use MBNA, do you recommend any card types over others, or is it mostly a "graphical" issue. I really like wildlife and nature, and thus the NWF card looked good to me, but I am not sure if I should make my decision on more important matters than what "Association" is tied to the card.
Any help with this would be greatly appreciated.
I am new to credit cards, and my folks have raised me with the mindset that I should only buy what I can pay for, and I agree with that generally, but I also realize that in the not too distant future I am going to benefit from having a good credit rating, and I may already be getting a delayed start at achieving one.
Thank you.
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"Yes, I rather like this God fellow. He's very theatrical, you know, a pestilence here, a plague there. Omnipotence. Gotta get me some of that." -Stewie
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