*Loan,banking and credit>>>best credit card

Best wany to get a credit card & earn credit?

Im 23, trying to get a credit card so I can start earning credit, so I can eventually buy a house and build a future. Without getting ripped off, what is a good way for me to get a credit card w/o having an interest rate of one thousand dollars???

I know just what you are going though, when I was first trying to get a credit card no one would approve me because I didn't have credit! I thought well of course I don't have credit that is the whole reason I am trying to get a credit card to get credit!!!!!
Well I tried a bunch of places and to no avail, finely I said the heck with it I'll get store debet cards at least I'll be able to buy things at Sears and Bonton and Radio shack, that was the best thing I could have done! Before I knew it I was aproved for a Discover card! Then after that Visa and Master Charge.
So start off small with store cards and the big guys will notice you are good with credit! ;-D

Get a credit card with a low balance and annual feeds, spend only a small amount every month and make your payments on time. From http://cc9.info
The best way to start, is to go to the bank where you have a checking account, and open up a secured line of credit.

This means, you deposit say, $1,000 or so, into a savings account, that earns interest, then use that as collateral for your credit card, which you get at the same bank.

No bank will turn you down on this, as they have no risk.

You still have to pay interest on the unpaid balance of your credit card though, so pay it off every month so there is no interest.

If you pay it off every month, you will actually make a profit because your savings account will be earning interest.

This will build up your credit rating also.
See, I'm 22 years old, and I first established credit at 19 years old -- I applied for a credit card and I kept getting declined, but I finally had to go with a very disgusting offer -- 23% interest, and a %7 monthly charge for just HAVING the card. You may have to do the same, but only do this for 6 months or so, to show you can pay off debt, and establish some sort of credit score -- Then you can move on to better offers, with no annual fees, no monthly charges, and very low interest rates. I did this, and have 16 credit cards with low interest rates, and high credit limits, but 3 years of paying on time, and never going over the credit limit assigned to you. These are all important matters.
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First let's look at the secured credit card for bad credit. A secured credit card requires that you deposit money with the issuing bank, and the bank will issue a credit card in the same amount for your use. Secured cards are guaranteed to be approved, because the bank has your deposit money in case you do not pay your balance. A secured credit card for bad credit operates much like a regular credit card. You receive a monthly statement, and you pay your minimum monthly payment or the balance in full each month. You are charged an interest rate, annual fee and possibly other fees for a secured credit card account. apply online for a secure acredit card at: http://www.credit-card-gallery.com/guara... and get guaranteed approval.