not really sure where to put this, but

Through personal experience with Capital One, I would suggest not going through them. Most of there cards start at $250 limit, but they tack on all kinds of initial fees which leave you paying them $200 just to get the credit card and most people don't realize that unless they've completely read all of the fine print. You'll end up with say $52 in available credit, but you just charged $100 on it, so you're already overlimit and your interest rate just skyrocketed. I'd suggest checking with a local bank or credit union and applying through them - even though he doesn't have established credit, they do offer student credit cards and such. I like US Bank personally, but depends on where you live. If you are willing to co-sign for say 6 months to help him establish his credit, that might help as well. Other companies that I'd say to avoid are First Premier, Providian, Household, etc. They all do the same thing - prey on people with no credit or bad credit. Best of luck.

Why not go to your local bank and look for any offers they have? I am sure that if you have a decent credit history, they will provide you some of the benefits they offer.

And definately don't ever get a discover card!

thanks for the info regarding Capital, I just shredded their stuff- I have heard too many horror stories about Discover - so no worries there! Our bank doesn't offer a card, but I will check around, and if I find anything, I will ask here to see what you all think! thanks again

If he's in college, there are usually a bunch of stands set up near the start of a term with a bunch of people pushing credit cards. They usually have pretty good terms. College students are a good risk because most of the time if they defualt they have parents that will step in and help.

The other thing to keep in mind about Capital One which really hurts you credit-wise is that they refuse to report credit limits. Without a credit limit reported, the bureaus then default to your "Highest Reported Balance." Since your credit score is based on credit usage and the amount of available credit, this can make it appear that you are maxed out or near your limit, when in fact you are nowhere near your limit. The only way around this would be to charge a large amount one month, then immediately pay the entire amount off to "artifically" inflate your "Highest Reported Balance."

Definlty stay away from Capitol One! There were a pain!