this post was submitted on 27 Jul 2025
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Go to a credit union. Your local credit union will offer better rates and good limits with low fees compared to big banks. My first card at 18 was a secured card, $500 limit and a 4% interest if you didn’t pay off your card. After six months it went to am unsecured ans $1500 limit. All with no fees.
Yeah, I know it can be hit or miss depending on your location, but I have had similarly good experiences with my local credit union... you just prove to them in a more old fashioned way that you're responsible, and they'll often be flexible with you in ways that banks aren't.