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But those who show discipline and make regular payments on the card for a year or two might qualify for a traditional credit card with a larger spending limit, says Greg Mc Bride, senior vice president for

Some people may be thinking about having a parent co-sign on a credit card or about becoming an authorized user on a parent’s card, but the parent would be on the hook if the child falls behind on bill payments. This option isn’t ideal because credit cards issued at retail stores tend to have higher interest rates.

Last year, for instance, the average annual percentage rate charged by retail cards was 23 percent, according to Credit

They also typically have lower credit limits of about a few hundred dollars, which makes them easy to max out.

If you do an image search and the person’s photo appears under several different names, you’re probably dealing with a scammer.Establishing good credit habits now, however, can make it easier to qualify for better cards and bigger loans later on, he says.Here are some things to keep in mind along the way. People who can’t qualify for regular credit cards on their own can build credit with a secured credit card, which works by requiring consumers to put down a few hundred dollars in cash as collateral.Not everyone using online dating sites is looking for love. As if all that isn’t bad enough, romance scammers are now involving their victims in online bank fraud.Scammers create fake online profiles using photos of other people — even stolen pictures of real military personnel. And they tug at your heartstrings with made-up stories about how they need money — for emergencies, hospital bills, or travel. Here’s how it works: The scammers set up dating profiles to meet potential victims.) here’s a collection of tips and tricks to help you get the most from your player.