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incarno

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my credit is 670 what is the best credit card I should use

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With a 670 credit score you will qualify for cards like Capital One, Any Secured card, and the NFL one.. some big brand cards like Visa, Citi, chase, and Discover may also approve you.. But expect low starting credit (under $1000) and higher intrest rates.  Know when your bill cycle end... this is the magic date you want your balance Low by before it reports to the big boss CBs...   Always pay early or at least on time.....Anything under 20% utilization will boost ur score, anything over 30% will drop your score. Ive found that the best utilization to have is between 1-9%  for the most points...  dont worry, in 6-8months if u follow the credit rules you will get CLIs and better credit card offers.

Good luck, and remember credit cards are for building credit not shopping, not emergencies... you should have an emergency account for that. 

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start low

capital one cards are easier to get 

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