hey /biz/ should I get a credit card? I'm 22 and I've

no, its a scam

you sound like a terrible candidate for a credit card. desu. literally never use one if you don't actually have the money to cover the cost on hand.

a lot of intro cards give 0% for a short term when you sign up before bumping up to 18%

your bank will gladly give you one

>>1394335
>I'd be using it if I run out of salary money, and all the credit as soon as I get my salary money, I just want a small interest rate and I don't give a fuck about having a big limit. I don't want to buy fancy shit with it.
Sorry i mistyped this, I meant

>and PAY all the credit as soon as I get my salary money

I said I wouldn't buy fancy shit with it, just groceries or food at most.

>>1394257
You won't be approved for a credit card with those interest rates. Those will be available later once you build your credit and have stable income.

You'll have to start with a secured card or something closer to 25-30% APR. The APR is irrelevant because you're going to pay off your card before each statement period as to not inccur any interest charges.

>>1394542
>You won't be approved for a credit card with those interest rates.
I don't live in a regulated shithole, where I live we don't have a central banking system and interests are low.