Credit Card Debt

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Citi mtvU, Capitial one No Hassle, Chase +1, Bank of America?

In your own experience which of these should I avoid and which of these should I get?

I am currently a full time student and do not have any credit at all. I am very responsible and if I do get a credit card I will use it wisely. I want to get a credit card because I do a lot of online buying (but with my mothers credit card). Its time to build my own credit. I am scared of extra fees and stuff, which of these cards are the best for me?
Citi mtvU, Capitial one No Hassle, Chase +1, Bank of America Student Platinum?


I have Citi platinum select and a Bank Of Ameirca they are both great!! Don't Get capital one they suck... Chase is good 2 I had they for one year for 0%. Just pay one time EVERY month!!! And They are good... Any card is good if you pay on time and pay more than the min and don't pay annual fees. And just get one to start and don't apply for to much credit it is bad for your credit even if you have none.

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Which of these two credit cards do you think is better?

I am focusing on cash backs. I am a full time student.

I picked Chase Freedom

* 3% bonus cash back on gas, groceries and fast food purchases for the first six months*
* 1% unlimited cash back on everything else. No cap, no expiration*
* 0% intro APR on purchases for up to 12 months*
* No annual fee
* Earn up to 10% cash back when you shop online with Chase Rewards PlusSM*
* Shop securely with Chase. Our innovative fraud monitoring system detects and alerts you of suspicious charges
* Zero liability on unauthorized purchases*

And Citi Bank's Dividend Platinum Select

5% cash back at supermarkets, drugstores, gas stations & utilities for 6 months; 2% thereafter2

Earn 1% cash back on all other purchases2

* 0% APR for 6 months on Balance Transfers, Purchases & Cash Advances1
* No Annual Fee
* No minimum income or cosigner required1
* Access credit education tips and tools


Looks like Citibank is the best choice.


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PR-inside.com (press release) - Feb 25, 2010

Hyatt (NYSE: H) and Chase (NYSE: JPM) today announced a multi-year, strategic alliance that will create the first-ever Visa-branded credit card that allows Hyatt and Chase offer Visa with Hyatt Gold Passport RewardsHyatt, Chase to team on Visa-branded credit cardHyatt, Visa and Chase form alliance, release Visa-branded rewards cardall 4 news articles »
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Los Angeles Times - Feb 24, 2010

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American Banking News - Feb 26, 2010

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Hyatt, Chase Card Services and Visa Form Strategic Alliance

MarketWatch (press release) - Feb 24, 2010

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Wall Street Journal - Feb 20, 2010

Credit-Card Fees: the New Traps The GuardianLast year, Bank of America Corp. and JP Morgan Chase & Co. suffered combined net losses of $7.8 billion in their credit-card operations, and this year will Banks Focus on People Who Can Pay More for Credit CardsBanks nervously await new credit card lawApply For Instant Bad Credit Credit Cards – Chase and Citi Continue Changes - -all 762 news articles »