despiratechemstudent asked:


I have $3,000 on my credit card. The interest rate is 18% which is rediculous. It is the same rate that I had when I got the card at 18 years old, and I’ve made every payment on time. I am 24 now. I have no bad marks on my credit. Shouldn’t I be able to lower my interest rate and get out of the freaking student interest rate? Thanks!

Tonya

Taryn asked:


I am 18 years old, I have no credit history. I am looking for a credit card so I can build my cred history. What are the best credit cards for individuals like myself? Thank you!

Emily