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What's a good 'emergency only' credit card?
I just moved into a new apartment and the credit that I do have is really good, I just don't have a whole bunch of it. Is there a type of credit card that would have a low limit and would be good on helping me establish credit? I was planning on having it for emergency only reasons. And I'm really good with my money so I'm not concerned about going overboard with it and using it when I shouldn't. p.s.- I would prefer visa.
4 Answers
- Anonymous1 decade agoFavorite Answer
If you mean a card that you only use in an "emergency" the really any credit card that you get could qualify as an "emergency" credit card.
The key is for "you" only to use it in an emergency. Put in a pocket that's out of the way in your wallet or purse.
For a number of Visa cards, Chase, Citi, GM, etc., go to http://www.how-is-your-credit.info/prime-credit-ca...
- Anonymous1 decade ago
If you are only going to have the card for emergency purposes, I would suggest a card with no annual fee. Getting a credit card will lower your credit score at first, but it will increase once you establish a good payment history. Even though you want a card for emergencies, you will have to use the card if you want it to build your credit. Check with your bank or Bank of America and Chase because they offer pretty good visa's. I hope that helps!
- starfishltdLv 51 decade ago
Since you are good with money, I would suggest an emergency fund (3-6 months of basic expenses) instead of a card. You can earn a little interest while waiting on the emergency. And I know it sounds crazy but when you are prepared for an emergency, they usually don't happen.
