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HELP! What is the EASIEST FIRST Credit card to get??? Archived From: Finance

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Artsyblnd said:WOW...I though some intelligence lived here.....obviously not!

Intelligence does not live anywhere. It needs to be tested, applied, challenged and engaged. Why don't you get started on that now...


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American Express Blue for students.


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socalfiremedic said:Since all you received was bashing in the previous replies, I might as well add some positive remarks:


-Add him as an authorized user' to one of your CCS. (preferably one with high CL and low utilization)

-Student CC such as citi or BofA

-secured credit card such as National City or Bofa, etc.

-Credit Union CC if he banks with a credit union

Thank you Socalfiremedic & tolamapS You got what I was saying. The other imps have nothing better to do then flap their virtual lips! Oh, but I LOVED the Hooters post (I agree) I pretty much knew what the plan would be, but wanted a few opinions.


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OP, maybe one of the reasons you got such "impish" responses is because, by your own admission, you are paying your stepson illegally and cheating both him and us. Then you are trying to build his credit while being the biggest drag on his ability to get credit by paying him illegally and sticking him with taxes you should be paying.

No, I think you are the imp.


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delzy said:WTH is a 1099 employee? I think you mean he is an illegal contractor. Anyway, you better get busy with his credit if you want to screw him even more in the future.Actually, I think the full risk is borne by the OP in this instance. It's not like the IRS is going to come after stepson for back payroll taxes when they find out.

The only risk I can think of for stepson is if he has some type of self-employed retirement account. If he gets reclassified as an employee, he's going to be in a world of hurt if he's got a self-employed retirement account since he wasn't really self-employed and did not qualify for one of those accounts.


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Also, he's being cheated of his unemployment and workmen's comp insurances as well as .5 of his self-employment tax.... greedy step-mother couldn't care less, I'm sure.


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delzy said:Also, he's being cheated of his unemployment and workmen's comp insurances as well as .5 of his self-employment tax.... greedy step-mother couldn't care less, I'm sure.


First of all our business is very legit, some us pay our taxes quarterly nimrod...I am not going to stoop to your level and argue with you. I will just say that you are grossly misjudging the situation, but who are you anyway...you don't know me, and I CERTAINLY wouldn't want to know you!


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Go for an orchard bank premium 2% CashBack card. That's targeted towards subprime, so it's easier to get, but is a very usefull card to keep even after his credit is established.


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Artsyblnd said:delzy said:Also, he's being cheated of his unemployment and workmen's comp insurances as well as .5 of his self-employment tax.... greedy step-mother couldn't care less, I'm sure.


First of all our business is very legit, some us pay our taxes quarterly nimrod...I am not going to stoop to your level and argue with you. I will just say that you are grossly misjudging the situation, but who are you anyway...you don't know me, and I CERTAINLY wouldn't want to know you!

That's your loss, but certainly you are not arguing it is legal to keep a "1099 employee" as you call it. You should bone up on the labor laws you are breaking so you can at least strive to become a legitimate business.

Paying quarterly is what owners and contractors do, not employees. By your own admission, your business is illegitimate, you big know-it-all!


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