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Yahoo Answers! Credit Cards This is a RSS feed for Topics from Yahoo Answers! That pertain to the discussion of credit cards, bad credit cards and credit limits. Feel free to discuss this in the credit card discussion Forum. MEMBERS WITH THE DESIGNATION Powered by Yahoo! Answers under their names ARE BOOTS FROM YAHOO ANSWER...! NEW THREADS MUST BE STARTED ON REGULAR FORUMS, MEMBERS ARE HOWEVER ABLE TO ANSWER OR PARTICIPATE WITH CURRENT THREADS...

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Old 10-20-2007, 12:29 AM   #1 (permalink)
troubled
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if i get a credit card and dont use it do i still have to make some type of payment?

i want to get a credit card for the first time, but i was just wondering if i were to get it and for some reason not use it at all would i still be charged some monthly fee or something
 
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Old 10-20-2007, 12:32 AM   #2 (permalink)
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It depends on the card you get. Some credit cards do charge an annual fee; I don't know of any that charge a monthly fee. I'd definitely recommend looking for a card that has no annual fee, there are plenty of those.
 
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Old 10-20-2007, 12:34 AM   #3 (permalink)
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Most cards don't carry annual fees these days, but some do. Check to make sure. Usually the ones that do charge an annual fee have some kind of incentive program like flight miles.
If you pay off your monthly balance completely or don't use the card, there will be no monthly fee.
There's a kind of credit card for people w/bad credit histories and perhaps people w/no credit histories... I started out by being on a joint account w/my mom, so I don't know much about those things, but those kind of credit cards have to be funded in advance.
I imagine that you can get a normal credit card on your own, especially if you have a steady job and address.
Good luck.
 
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