I was wondering if I should get one now. I am 18 and have a car.
I was thinking its a good way to build credit.

I live in Canada BC. Which one do you guys recomend

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well, I got a credit card as soon as i turned 18. Plan was just to pay for gas and little things and pay it off every month. I followed through for a while but soon I started getting things i didn't need and then before i knew it i had 3 cards all maxed out. I regretted getting them but if i would have had better discipline then it wouldn't have gotten out of control. Just use you judgment.

I think if you feel that you are already responsible to have a credit card then go get one. Having a credit card will help you with many expenses especially when you don't have the cash. Just make sure that you don't make unnecessary purchases that in the end you will regret because you can no longer pay for it. Ensure that whatever it is you swipe you can pay for it when the bill comes due.

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Barclaycard do a student credit card in canada

are u sure.. i could not find it. could u post a link.

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Use it for everything, but make sure that you have the cash to pay of the total in full at the end of each month

Yep - never use it for credit - just for building credit rating.

You have plenty of time for building credit later. Right now, pay in cash for everything that you get. You are just entering adulthood. The responsible thing to do is to begin a habit of living on what you earn, not managing debt for what you do not earn.

Even charging and paying off when the bill comes in is a bad idea in my eyes.

If you feel like you have to use plastic, get a debit card.

I think for a student it would be an ideal solution to get a credit card which offers 0 annual fee and the lowest interest rate.

For example, the Citi Platinum Select Card for College Students offers 0% interest within 6 months on purchases and so on.

But it doesn't mean that it is the only choice. Here you should mention also your specific conditions and purposes for what you need a credit card.

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i totally agree to brian.
its not to increase your credit rating. if you really feel the need, it will act as a boon to you.

but then use it wisely. and make sure that you clear all the payments by the end of every month, or else you might be in soup.

good luck pal.