3 ms·
I always thought that credit cards were for poor people, since why would I ever need a loan with 15-20% interest. Then recently I hired a car and they forced m
by mgaunard 4y ago
I always thought that credit cards were for poor people, since why would I ever need a loan with 15-20% interest.
Then recently I hired a car and they forced me to take the zero-excess insurance (50% of the cost of a one week hire for a convertible) because I didn't have a credit card.
I'm now in the market for a credit card, but I have no interest in any of the credit features, I just need it to be accepted as a credit card worldwide. Unfortunately all comparisons online focus on the interest rate that I couldn't care less about.
- cwkoss 4y agoI think nearly every credit card will be able to support "accepted as a credit card worldwide". So, I think you can just pick whatever card doesn't have an annual fee, maybe choose one with rewards you'd use if you care.
- twblalock 4y agoJust get a card with wide acceptance and no annual fee: any basic Visa or Mastercard from any bank. Keep it simple and just get one from the bank you already use for checking -- then you will only have one online banking portal to use for both your card and your checking account. Set up autopay for one of your monthly bills to use the card. Set up another autopay from your checking account to pay off the card's balance every month. Do that, and you will have a credit card that is regularly used, with a history of paying the bill on time, without spending any money you would not have spent anyway.