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2019 Honda Accord review: The driving enthusiast's family sedan

2019 Honda Accord review: The driving enthusiast's family sedan

It's a bit of a surprise to see a brand-new midsize sedan arrive with three pedals and a six-speed manual transmission, and even more so when those pieces are attached to a 2.0-liter turbocharged engine with a not-insignificant 252 horsepower. But this unusual and unusually sporting version of the 2019 Honda Accord is an absolute delight to drive, one that'll satisfy your need for speed even if your life circumstances have moved you away from sport compacts and into midsize sedans.

Powertrain aside, the 2019 Honda Accord is a wonderful car in which to spend time. It nails the mission brief of a midsize sedan, delivering easy everyday livability that makes this car our top pick in its class.

About that engine

Of course, with "2.0T" right in the name, there's no way to avoid discussing the brisk acceleration enabled by that engine. A cousin to the 2.0-liter in the Civic Type R, the turbo mill endows the Accord with 252 horsepower and 273 pound-feet of torque, the latter offered all the way from 1,500 through 4,000 rpm. That's quite a bit more verve than the 1.5-liter turbo engine in other Accords, which serves up a perfectly adequate 192 hp and 192 lb-ft and mates either to a manual or a continuously variable transmission.

On boost, the engine whips the Goodyear Eagle Touring tires into a frenzy and pulls swiftly through the manual transmission's lower gears. It's quite exciting for what is, ultimately, an ordinary family sedan.

Fortunately the engine is not all about big boost, and operates smoothly and quietly in more quotidian driving situations. There's ample torque right off idle for spurting through city traffic and enough midrange punch you don't even need to worry if you forget to downshift before merging.

The optional 2.0-liter turbo engine is a real powerhouse.

Jake Holmes/Roadshow

Big credit also must go to the car's six-speed manual, which has to be among the loveliest gearshifts you can find in a new car today. Light enough to use with two fingers, direct enough that you never mistake one gate for another and paired with a just-right clutch pedal, it's the sort of stick-shift arrangement that takes no effort at all to drive -- even in stop-and-go city traffic. But I wouldn't fault anyone for buying this car with the optional 10-speed automatic transmission instead.

Daily driver extraordinaire

There's quite a lot of joy in the way the 2019 Honda Accord handles all aspects of driving, actually. With a great, commanding driving position and panopticon visibility in every direction, busy city streets are no chore at all. The Accord's steering is light but not without some sense of what the front tires are doing, the brake pedal reassuringly firm but not overly so. It's a car that feels like it was engineered by people who enjoy driving, and as a result, it's a car that is enjoyable to drive.

On the freeway, the Accord keeps wind and road noise remarkably hushed, while displaying well-mannered damping that keeps head-bobbing over dips and bumps to a minimum. However, those 19-inch wheels and low-profile (235/40 aspect ratio) tires struggle with cracked and brittle pavement. Impacts are both felt and heard in the cabin; other Accords ride more softly on 17-inch wheels with more tire sidewall, and that would be my preferred setup for daily-driving duty.

The Accord's interior is functional and well laid out.

Jake Holmes/Roadshow

This Accord Sport model does benefit in terms of handling from a quicker steering ratio, upgraded anti-roll bars and wider tires than, say, the more common EX trim. But experience in other models suggests all Accords are equally as satisfying to drive as this sporty-ish model.

Business casual design

There's a lot to look about the stylish, modern design of the 2019 Honda Accord, which manages to be a whole lot less bland than the last-generation model. With a low nose and a curving roofline, the sedan has quite a sporty profile. I could do without the big chrome strip along the top of the windowline, but otherwise the Accord's jewelry, specifically the LED head- and taillights, nicely breaks up its big surfaces. Large 19-inch wheels, chromed dual exhausts and a trunklid spoiler are appreciated touches on this Sport model.

Functional interior

The cabin is equally pleasing to the eye, finished with high-quality materials that, despite the black-on-black color scheme, do not look in the least bit dour. Everything you touch, from plastics to switches to the teensy shift knob, feels nice, too. The two center cupholders are set deep into the console, so you can use taller coffee mugs or water bottles. The center console cubby itself is not enormous, though offers a USB and 12-volt power outlet to power gadgets. A cubby ahead of the shifter is home to another pair of outlets and can conceal a charging phone or iPod.

Honda's infotainment system works well and supports both Apple CarPlay and Android Auto.

Jake Holmes/Roadshow

In true Honda fashion, the interior is extremely functional, with big knobs for the climate control, easy-to-find flaps covering the USB ports, big switches on the steering wheel and a superlegible, semidigital instrument cluster. While the right-hand side of the cluster is an old-school analog speedometer, the left-hand side can serve as a virtual tachometer or a trip computer, or can offer up any number of data pages for things like vehicle status, safety-system operation, music and phone calling info and even service schedules.

A big range of adjustment for the front seats and steering wheel makes finding a comfortable driving position a cinch, and there's head- and legroom to spare for average-size adults. The same is true of the second row, where you won't believe how much space passengers have. Even with the roof's sloping profile, back-seat headroom is generous.

Nor will you believe how much stuff you can fit in the trunk, which has a low liftover height, a wide opening and the ability to swallow a class-leading 16.7 cubic feet of your belongings. The back seats fold down easily, too, for transporting larger items if necessary.

The trunk is enormous, storage 16.7 cubic feet of luggage.

Jake Holmes/Roadshow

Plentiful technology

All Accords save the base LX and the Hybrid use an 8-inch touchscreen infotainment that supports Bluetooth, satellite radio, HD Radio, Android Auto and Apple CarPlay. Built-in navigation, a Wi-Fi hotspot and wireless phone charging are available on some models. It would be nice to have some USB ports in the back to keep the kids' tablets charged, too, though.

The touchscreen crams a lot of information onto its display, but its menu structure is simple to navigate and responses to inputs are near-instant. Redundant physical buttons surround the screen, making it easier to jump between options or to adjust settings by feel while driving.

Safety technology is in abundance and, best of all, most of it comes standard across all trim levels -- something that can't be said of all rivals. Standard equipment includes forward-collision warning automatic emergency braking, lane-departure warning and lane-keep assist, traffic-sign recognition, automatic headlights and adaptive cruise control. That ACC is offered even on a manual-transmission car is a rarity. Blind-spot monitoring is also offered on most trim levels.

These wheels look great but don't do ride quality any favors.

Jake Holmes/Roadshow

Economy and pricing

One downside to electing the 2.0-liter engine is that fuel economy falls to 22 miles per gallon city and 32 mpg highway in this Sport model. While that's comparable to other high-powered midsize sedans -- the Toyota Camry XSE V6 also scores 22/32 mpg, for instance -- it's not too impressive by the standards of the class. Most shoppers will be more compelled by Accords equipped with the car's 1.5-liter turbo engine, which return up to 30/38 mpg in EPA testing. The Accord Hybrid, meanwhile, is rated for 47/47 mpg.

In terms of pricing, however, this Sport 2.0T falls right in the middle of the 2019 Accord range, at $31,630 as tested. The sedan's pricing structure largely mirrors its competition, with models powered by the base 1.5-liter engine running from $24,640 for an LX up to $31,040 for an EX-L. Opt for the 2.0-liter mill and you'll pay between $31,630 and $36,870.

This Accord Sport 2.0T is definitely the driving enthusiast's choice, what with its power and six-speed manual transmission. Yet spending a week behind the wheel of the Accord really just underlines how well-sorted the entire car is for whatever type of driving you like: City, suburb, or highway, the Accord handles it well. Plus, it's affordable, efficient, incredibly spacious and filled with technology that just plain works. With all that in mind, there's no midsize car we'd recommend more readily than the Honda Accord.

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https://nichols.my.id/how-to-fix-valorant-error-code-57.html

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Quiet Quitting: The Work-Life Debate Is Having Another Viral Moment

Quiet Quitting: The Work-Life Debate Is Having Another Viral Moment

Months after "the Great Resignation" entered the collective vocabulary, the question of what, exactly, a person owes their employer is having yet another viral moment. 

At the end of July, @zaidlepppelin posted on TikTok about a phrase called "quiet quitting." It's the idea of meeting the requirements of a job and stopping there. The video has since racked up more than 3.4 million views, while the hashtag has more than 21 million views from other TikTokers chiming in with their views on the broader idea, and even the term itself.

The concept is reigniting another debate over work-life balance, with proponents saying it's just a necessary call for boundaries while critics bemoan a perceived lack of initiative and slacker mentality. 

As always, it's not clear cut. Here's what you need to know about quiet quitting. 

What is quiet quitting?

Quiet quitting is the idea of doing your job and nothing more. In the original viral TikTok, @zaidlepppelin described it like this: "You're still performing your duties but you're no longer subscribing to the hustle culture mentality that work has to be your life. The reality is it's not, and your worth as a person is not defined by your labor."

@zaidleppelin On quiet quitting #workreform♬ original sound - ruby

Is quiet quitting new?

In a word, no. 

"It's popular now because of the hashtag," said Jha'nee Carter, who goes by @_thehrqueen on TikTok where she talks about leadership and employee advocacy.

Although the phrase "quiet quitting" has only gained traction in the last few weeks, the struggle to find a balance between work and personal life is far older. The National Labor Union first (if unsuccessfully) asked Congress to establish the eight-hour work day in 1866. 

A century later, American pop group The Vogues sang about the bliss of being off the clock in their 1965 song Five O'Clock World: "It's a five o'clock world when the whistle blows. No one owns a piece of my time."

These days, you're more apt to hear about achieving a healthy "work-life balance." 

The trend shows up globally at times, too. In July 2021, Brookings wrote about the "lying-flat" movement in China, where a culture that prioritizes overwork started to clash with a feeling of stagnation among workers, particularly among younger people. In April of that year, the concept went viral.

"For some, 'lying flat' promises release from the crush of life and work in a fast-paced society and technology sector where competition is unrelenting. For China's leadership, however, this movement of passive resistance to the national drive for development is a worrying trend," the article said, also explaining that China has aimed to "end its reliance on imported technology," hence driving a particular pressure in the tech sector. 

What's the controversy?

Some of the controversy around quiet quitting surrounds the question of whether this is a healthy approach to your job, or whether you're being a slacker. 

"The tether to the workplace … the expectations and exploitation of employers is so extreme now, that just doing your job is considered quitting," said Leigh Henderson. You might have run into Henderson on TikTok as @hrmanifesto, where she uses her more than 15 years of experience in the corporate world to talk about everything from dealing with your toxic job to interviewing for a new one.

She was initially confused by the idea of quiet quitting, thinking how is that "different from just work life balance, creating boundaries, having priorities, and just having a life?" Henderson says it should the be responsibility of employers to keep their employees engaged.

And on TikTok, people have questioned whether anyone should be expected to put in more work than they're being compensated for. 

@hrmanifesto ✨New Trend Alert✨Loud Failing #insanity#quietquitting#loudfailing#employee#engagement#nightmare#corporate#victimblaming#hr#hrmanifesto#greenscreen @wsj @zaidleppelin ♬ original sound - HRManifesto

Not everyone sees it that way. Kevin O'Leary from ABC's Shark Tank took to TikTok to say, "Quiet quitting is a really bad idea. If you're a quiet quitter, you're a loser." O'Leary did not immediately respond to a request for comment. In a video on CNBC, he said you're hired at a company to make the business work, and you should go above and beyond because you want to – and that's how to get ahead.

@kevinolearytv What are your thoughts on quiet quitting? #kevinoleary#quietquitting#entrepreneur#career#careeradvice♬ original sound - Mr. Wonderful

TikTokers have pointed out that to the ears of an employer, quiet quitting could sound like suddenly getting less out of their employees, regardless of whether those employees were getting paid to do the extra work anyway.

What's more, the term itself – quitting – has a negative connotation. Henderson thinks of it as "quiet survival," and it's something she's done in her own career. In a follow up TikTok, Henderson said, "I was saving myself from the toxic work environment and protecting myself from the toxic work environment that my employer not only established and facilitated but continually benefited from." 

Why are people talking about quiet quitting now?

The easy answer is that this particular TikTok went viral at the end of July. But circumstances have been ripe for this for much longer, according to Matt Walden, managing partner at Infinity Consulting Solutions, who has been working in the recruiting space for more than two decades. He pins some of this moment to burnout. 

For one, Walden looks to the pandemic – as employees shifted to remote work, often it could be more difficult to compartmentalize work and home life. It's easy to keep your laptop open and answer a few extra emails while cooking dinner, perhaps. 

"Work from home was a blessing for many. And for others, it had people working more than they've ever worked, unknowingly, in isolation," Walden said. 

Quiet quitting also comes in the wake of the Great Resignation, the term for the phenomenon of American workers quitting their jobs in record numbers, often to pursue better pay, benefits and flexibility, or even just to dodge going back to an office. A July report from McKinsey called it the "quitting trend that just won't quit." Although open jobs in the US fell to 10.7 million in June from 11.25 in May, the report said it's likely openings won't return to a more normal range for a while.

Another possible facet is a backlash to hustle culture – the mentality that calls for optimizing every minute of your life for productivity and glorifies non-stop work. 

Henderson also pointed out that there's a whopping four generations in the workforce now, bringing with them different perspectives, attitudes and experiences which inform their relationship with work. 

"Make no mistake that Gen Z employees watched those Gen X parents stick the finger right to corporate America," Henderson said.

Who is quiet quitting?

While there are no numbers on quiet quitting, Walden said he wouldn't characterize this as a tidal wave trend. Though Gen Z is being largely associated with quiet quitting, demographic breakdowns from the Great Resignation show they're not the only generation reappraising work. 

And not everyone has the luxury of quiet quitting. 

"In order to climb that corporate ladder as a person of color, I believe that it's a necessity to go above and beyond," Carter said, talking about how those in minority groups, like people of color, don't always have the same resources available to them, so upping their skills, getting in the right rooms with the right people to network, and the like takes more work. She also says it takes learning to advocate for yourself in order to not end up burned out and exploited. 

@_thehrqueen Can quietly quitting destroy your career? ✨ #hrqueen#quietquitting#iquit#corporateamerica#mentorforu#youngprofessionals#hrlife#hrtok#careertips#careeradvice#careeradvicedaily#leadershipdevelopment#ReTokforNature♬ Level Up - Kwe the Artist

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iPad Deal Alert: Save Up to $70 on Select Configurations of the M1-Powered iPad Air

iPad Deal Alert: Save Up to $70 on Select Configurations of the M1-Powered iPad Air

As hardware and performance continue to improve, the lines between laptop and tablet are starting to blur. Particularly on models like the latest fifth-gen iPad Air, which comes equipped with Apple's M1 processor, the same series found in its MacBooks. This sleek, versatile tablet hit shelves last month, and we're already starting to see some discounts pop up. Right now, you can save up to $49 on the 64GB model with cellular, though only on the purple or starlight (aka white) color variants. Or $40 on the purple Wi-Fi only model, with prices starting at just $559. If you prefer a little extra storage, the space gray 256GB model is also available for $70 less than the price from Apple directly, and the purple and pink variants are $24 off.

The latest generation iPad Air is packed full of cutting-edge hardware and specs that have it "mostly caught back up" to the pricier iPad Pro, according to CNET's Scott Stein, who gave it a glowing review. The M1 chip has an eight-core CPU and GPU, meaning it can handle even high-strain apps like Adobe Photoshop. And the stunning 10.9-inch Liquid Retina display with True Tone and P3 Wide Color make it a great choice for creators and artists. It's also equipped with a 12-megapixel camera that automatically keeps you centered on video calls, and Wi-Fi 6 support for lightning-fast web performance (if you have a compatible router). On a single charge, it has a battery life of up to 10 hours, and features a USB-C charger, as opposed to the Lightning cable found on other models.

There's no clear-cut expiration on these offers, but discounts on the latest Apple devices rarely last for too long. If you're committed to grabbing a tablet at this price, we'd recommend acting sooner rather than later. Looking for a different iPad? Be sure to check out all the best iPad deals now.

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I visited Samsung's Galaxy S22 metaverse event, but it felt rushed and incomplete

I visited Samsung's Galaxy S22 metaverse event, but it felt rushed and incomplete

Samsung's Galaxy S22 reveal event wasn't just a standard livestream this year: It also took place inside a metaverse -- and I was genuinely excited to check it out. I've attended previous Samsung events in VR and found them to be more enjoyable than most other branded virtual experiences. The infamous 2016 photo of Mark Zuckerberg walking down an aisle while everyone around him is wearing a Gear VR headset is undeniably silly, but the demonstration of what could be possible from home was actually compelling.

By comparison, this 2022 Unpacked event had surprisingly little to do with Samsung and served more as an example of what not to do when using the metaverse to host a product launch.

If you saw Samsung announce an event in the metaverse and thought it meant putting on a VR headset and sitting in an audience, you're not alone. Instead, Samsung built a version of its New York event space in Decentraland, a cryptocurrency-focused virtual playground. It's technically possible to enter Decentraland with a VR headset, but the experience is barely functional and requires a lot of technical knowledge. Using your web browser alongside your mouse and keyboard, as intended by the creators, you enter Decentraland as an animated avatar you can modify, and move yourself to the Samsung 837X space to participate. 

Arriving at this space the day before the event revealed a brightly lit building and a faux pizza shop. The doors were all closed and there wasn't much to see, but there were already people lined up to see what Samsung had to offer. When I checked in again, 30 minutes before the event was to start, a handful of people waiting outside had climbed to nearly 100 that I could see. Decentraland runs 10 servers and you can only see the people on your server, but as I moved around before the event each server seemed similarly full. Roughly 1,000 people were waiting for Samsung to open the doors and show us the Galaxy S22 Ultra. 

Unfortunately for a lot of those servers, the doors didn't open on time. Many people were unable to actually enter Samsung 837X before the event started. Everyone outside the metaverse was enjoying a strange crossover with the popular TV series Bridgerton at the start of this event, while I and dozens of my fellow metazens were changing servers to find one that worked. Once a server with open doors had been located, the next challenge was finding the room inside this virtual building where the announcement event was actually streaming.

The three unlockable clothing packs you could use to equip your metaverse avatar if you completed the minigame inside Samsung's event.

Russell Holly/CNET

Inside Samsung 837X, you are presented with three rooms and a host of smaller activities to enjoy. Samsung had made special clothing for your Decentraland avatar you could only get by completing a quest in this space. Most of the space was dedicated to this quest, but in the back you could find a theater with the Unpacked event streaming. The room was a fairly generic virtual theater with a big curved screen showing the event already in progress outside of the metaverse. I was nearly 10 minutes late, and now watching a smaller version of the livestream with animated characters dancing around inside of a web browser on my laptop.

A few minutes into watching this presentation, it became clear the real reason most people were here was to unlock the virtual clothes tied to the Samsung quest. The app told me there were 96 people in the space, but the room only held 37. The novelty of the Samsung-made space was much more important than the unveiling of a new phone and tablet for a majority of those who regularly visit Decentraland.

It's difficult to feel like this approach to an event is anything other than a step backward. Back in 2016, Samsung offered the ability to watch a Galaxy Unpacked event from inside its VR headset. You put the headset on, opened the app and picked one of several positions to watch the stage from a 360-degree streaming camera. Being able to turn your head and see the audience made you feel like you were actually sitting in the audience. Not a lot of people owned those headsets at the time, but it felt like you were in a packed room and could enjoy the show.

The Samsung Theater, where I could watch the Galaxy S22 Ultra unveiling.

Russell Holly/CNET

In fairness, this 2022 event was fully virtual, so there was no live space to warp into as there was during pre-pandemic product launches. But Samsung could have made it possible to walk through a virtual store, get a closer look at the phone from every angle, or maybe even preorder the next phone using cryptocurrency. There could have been Samsung staff on hand in the space to answer questions or talk to people about what they're upgrading from and how the cameras on this new phone might have been better.

Samsung had an opportunity to make this space actually feel like a virtual version of its 837 store, but instead built a terribly rendered virtual forest to showcase its intent to plant 2 million trees as part of its sustainability efforts. For comparison's sake, the real Samsung 837 store not only sells Samsung devices but opened with a cafe on site and, at least pre-pandemic, held a running club that promoted its fitness trackers.

This could have been a lot of fun, but instead felt rushed and incomplete. It was a halfhearted attempt in a long line of cultural zeitgeist moments from Samsung, and felt more like an online version of the Yo! Noid game from Pizza Hut in 1990 than it does a glimpse at an often-promised metaversal future.

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Source

https://pombumi.costa.my.id/

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How to Pick Your First Credit Card to Start Building Credit

How to Pick Your First Credit Card to Start Building Credit

Applying for your first credit card can involve a considerable learning curve. With hundreds of card options, lots of jargon and navigating the complexity of the US credit system, there's a lot to learn at once. And once you understand it, it can seem counterintuitive. For example, how are you supposed to build credit to get a credit card if nobody will issue you a card without credit history? It can be dizzying, to say the least.

Still, there are many reasons to want a credit card, chief among them is the ability to build credit history and improve your credit score. Your credit score, a three digit-number that represents your creditworthiness, can affect everything from whether you are approved for an apartment, your interest rates for auto loans and a mortgage and how many financial options you will have in the future.

Below, we review everything you need to know before applying for a credit card: the basics of how credit cards work, how to pick the right card for you, how to apply and how to use your card to build credit.

Read more: Best Debit Cards for College Students

The basics: How credit cards work

First, credit cards are not free money, sadly. What they are is a financial tool that, when used responsibly, lets you space out payments for purchases, build credit history and, in some cases, earn rewards like cash-back or airline miles. But credit cards can be extremely easy to misuse if you accidentally charge more than you can afford to pay back by the end of your billing statement. And if you miss payments, you risk crashing your credit and racking up interest charges.

The best way to avoid these pitfalls is to understand how credit cards work. Credit card issuers, typically a bank or credit union, will lend you a certain amount of money called credit, which you agree to repay. Payment processing networks, like Mastercard or Visa, act as the middleman and help facilitate payments and benefits.

Every card has a credit limit, which is the highest amount of money you can borrow in total. Your credit limit is usually determined by your credit score, income and the credit card issuer. So if you're applying for your first card and don't have a long credit history, you will probably be given a lower credit limit. Once you show responsible card use (paying balances on time and/or in full), you can request a credit limit increase.

At the end of the billing cycle -- which usually lasts about a month -- the credit card company will send you a bill that lists all your purchases made with the card. You can pay either the minimum payment that's due or pay off the bill in full. While paying the minimum payment will keep your account in good standing, the remaining unpaid balance will carry over to the next month, and you'll likely start accruing interest charges on any unpaid balance. Every card has its own annual percentage rate (APR), which is the total amount of interest and fees it charges on unpaid balances.

If you miss the payment due date, you may incur late fees, adding even more dollars to your debt. It's in your best interest to avoid this scenario by only charging what you can afford and paying your bill in full each month. Fees and interest charges can add up quickly and prevent you from paying off your debt as quickly.

How to pick the right credit card

With hundreds of credit cards available, picking the right credit card for you will depend on your current financial status, your future financial goals and your lifestyle. Many credit cards come with rewards like welcome bonuses, cash-back offers, discounts on certain purchases and travel points or airline miles. Cards with rewards typically come along with annual fees -- a yearly expense you pay to own the card -- though some do not.

The right card for you depends on your financial situation and goals. If you're just starting out, building credit with a student or secured credit card -- one that requires a security deposit that acts as your credit limit -- can help you build credit. If you're looking to earn rewards, look for a card with the most relevant perks for your spending habits and an annual fee you can recoup from your rewards. 

Some credit card companies will solicit you directly or allow you to see if you are preapproved for a card. Since card companies run a hard check on your credit when you apply for a card, a move that can temporarily cause your credit score to dip, preapproval lets you see if you're likely to be approved before you apply. Preapproval doesn't guarantee you'll be approved -- it just means the credit card company thinks you're a good applicant for a particular card.

For those currently in school, there are specific credit cards made for students. These cards usually have a smaller credit limit, and may have a scaled-down combination of benefits and fees compared to traditional credit cards. Student cards usually have relaxed credit requirements, since many students don't have a significant credit history, thus making it easier to get approved.

A secured card is another option for those with no or low credit, looking to boost their credit score. Secured credit cards require a security deposit that acts as your credit limit. It is also a form of collateral, ensuring that the card balance will be paid even if you miss payments.

How to apply for your first credit card

Once you determine which card is best for you, you can begin the application process. While every credit card company has its own application, you will probably be asked to provide similar personal and financial information, like your name, age, employer, annual income and housing payment. With this information, the credit card issuer will run a credit check on you to decide if you fit the criteria for card approval.

After you apply, you will either be approved and granted a card or denied. CNET outlines steps to take to figure out why you're denied for a credit card in the worst case scenario.

How to build credit with your card

Your credit score reflects how good or bad you are at managing debt. It shows lenders your creditworthiness, or how much risk is involved when lending you money. Your credit score is determined by a few factors, including your payment history, amount of debt owed, the length of credit history, how much new credit you've taken on, and your credit utilization ratio, which we'll explain below.

Here are some common blunders to avoid to keep your credit score healthy: 

• Not paying your minimum payment on time. In addition to being penalized with late fees and interest charges, late payments reported to credit bureaus indicate to future lenders that you are an unreliable borrower. Over time, consistently paying on time will build a strong credit history that will boost your score, making you eligible for better credit cards and interest rates.
• Using too much of your credit limit. Using more than 30% of your total credit line can affect your credit score negatively. This percentage is called your credit utilization ratio. So if your credit limit is $1,000, you would want to keep all your credit card purchases under $300 as a best practice. Using more of your credit lines indicates to lenders that you are a risky borrower.
• Closing credit card accounts. While it may seem reasonable to close an account for a card you don't use, it can actually lower your total available credit, lowering your credit utilization ratio and shorten your length of credit history. Depending on your situation, it may be better to keep the card open and use it occasionally. But, there are ways to cancel a credit card without destroying your credit.

Best picks for your first credit card

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• Earn 1% unlimited cash back on all other purchases – automatically.

Our Take

The Discover it® Student Cash Back* card offers the best rewards spread of student credit cards. You'll earn the 1% flat rate on all purchases, but you can also earn 5% cash back with the bonus quarterly rotating category, on up to $1,500 in combined spending per quarter (then 1%). From now through September, the bonus category includes restaurants and PayPal purchases. For October through December, it includes Amazon.com purchases and purchases made through digital wallet apps. You do have to manually activate these bonus categories through your account to earn this higher rate, though.

We also like that this card offers an Unlimited Cashback Match welcome bonus -- Discover will match your cash back earned for your whole first year, essentially doubling your cash back at the end of your first year.

For more details, see our full review of the Discover it Student Cash Back.

Intro Offer N/A

APR15.24% - 29.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Annual Fee$0

Foreign Transaction Fees $0

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Our Take

The Petal 2 Visa Credit Card, issued by WebBank, is designed for applicants of various credit types -- whether it's fair, excellent or you're just getting started. It offers a credit line between $300 and $10,000 and 1% back on all eligible purchases. 

To incentivize good credit-building behavior, your cash-back rate can increase to up to 1.5% on eligible purchases after 12 on-time monthly payments. There are no annual fees, security deposits, late fees or foreign transaction fees, making this a flexible option for anyone's first credit card.

Intro Offer N/A

APR26.99% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR26.99% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

Our Take

The Capital One Platinum Credit Card doesn't offer many perks, but it could be a good backup option for your first credit card if you don't want to put down a security deposit and aren't a student. This card is designed for people with fair, average or limited credit -- typically a credit score between 580 and 669. Though you won't earn rewards or a welcome bonus, you can build up your credit score with responsible use and there are no foreign transaction fees -- meaning you can use it abroad without facing additional costs.

For more details, check out our full review of the Capital One Platinum Credit Card.

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR24.49% Variable

Intro Purchase APRN/A

Recommended Credit New/Rebuilding Credit

Reward Rates

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR24.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Our Take

All secured credit cards require a security deposit -- but not all of them enable you to earn rewards on your purchases. With a credit limit range of $200 to $2,500, you can earn 2% cash back at gas stations and restaurants with the Discover it® Secured Credit Card*, on up to a combined $1,000 in spending per calendar quarter (then 1%). You'll earn 1% cash back on other purchases, and you'll still get the Unlimited Cashback Match as with the other Discover credit cards. This card will also let you see if you're preapproved before you apply if you so choose.

For more information, see our full review of the Discover it Secured Credit Card.

Intro Offer Limited Time Offer: Earn $100 when you spend $100 in the first three months

APR16.49% - 26.49% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward Rates

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR16.49% - 26.49% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Our Take

If you eat a lot of takeout or go to restaurants often, the Capital One SavorOne Student Cash Rewards Credit Card can maximize cash back on your meals and entertainment. You may be able to get preapproved for this credit card to test the waters, though as a student credit card, it has more relaxed credit requirements than its traditional counterparts.

You'll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Target and Walmart). Entertainment covers movie theaters, sports promoters (professional and semiprofessional live events), amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Streaming services include Netflix, Hulu and Disney+. For other purchases, you'll earn a standard 1% cash back.

*All information about the Discover it Student Cash Back and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

---

Source

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How to Pick Your First Credit Card to Start Building Credit

How to Pick Your First Credit Card to Start Building Credit

Applying for your first credit card can involve a considerable learning curve. With hundreds of card options, lots of jargon and navigating the complexity of the US credit system, there's a lot to learn at once. And once you understand it, it can seem counterintuitive. For example, how are you supposed to build credit to get a credit card if nobody will issue you a card without credit history? It can be dizzying, to say the least.

Still, there are many reasons to want a credit card, chief among them is the ability to build credit history and improve your credit score. Your credit score, a three digit-number that represents your creditworthiness, can affect everything from whether you are approved for an apartment, your interest rates for auto loans and a mortgage and how many financial options you will have in the future.

Below, we review everything you need to know before applying for a credit card: the basics of how credit cards work, how to pick the right card for you, how to apply and how to use your card to build credit.

Read more: Best Debit Cards for College Students

The basics: How credit cards work

First, credit cards are not free money, sadly. What they are is a financial tool that, when used responsibly, lets you space out payments for purchases, build credit history and, in some cases, earn rewards like cash-back or airline miles. But credit cards can be extremely easy to misuse if you accidentally charge more than you can afford to pay back by the end of your billing statement. And if you miss payments, you risk crashing your credit and racking up interest charges.

The best way to avoid these pitfalls is to understand how credit cards work. Credit card issuers, typically a bank or credit union, will lend you a certain amount of money called credit, which you agree to repay. Payment processing networks, like Mastercard or Visa, act as the middleman and help facilitate payments and benefits.

Every card has a credit limit, which is the highest amount of money you can borrow in total. Your credit limit is usually determined by your credit score, income and the credit card issuer. So if you're applying for your first card and don't have a long credit history, you will probably be given a lower credit limit. Once you show responsible card use (paying balances on time and/or in full), you can request a credit limit increase.

At the end of the billing cycle -- which usually lasts about a month -- the credit card company will send you a bill that lists all your purchases made with the card. You can pay either the minimum payment that's due or pay off the bill in full. While paying the minimum payment will keep your account in good standing, the remaining unpaid balance will carry over to the next month, and you'll likely start accruing interest charges on any unpaid balance. Every card has its own annual percentage rate (APR), which is the total amount of interest and fees it charges on unpaid balances.

If you miss the payment due date, you may incur late fees, adding even more dollars to your debt. It's in your best interest to avoid this scenario by only charging what you can afford and paying your bill in full each month. Fees and interest charges can add up quickly and prevent you from paying off your debt as quickly.

How to pick the right credit card

With hundreds of credit cards available, picking the right credit card for you will depend on your current financial status, your future financial goals and your lifestyle. Many credit cards come with rewards like welcome bonuses, cash-back offers, discounts on certain purchases and travel points or airline miles. Cards with rewards typically come along with annual fees -- a yearly expense you pay to own the card -- though some do not.

The right card for you depends on your financial situation and goals. If you're just starting out, building credit with a student or secured credit card -- one that requires a security deposit that acts as your credit limit -- can help you build credit. If you're looking to earn rewards, look for a card with the most relevant perks for your spending habits and an annual fee you can recoup from your rewards. 

Some credit card companies will solicit you directly or allow you to see if you are preapproved for a card. Since card companies run a hard check on your credit when you apply for a card, a move that can temporarily cause your credit score to dip, preapproval lets you see if you're likely to be approved before you apply. Preapproval doesn't guarantee you'll be approved -- it just means the credit card company thinks you're a good applicant for a particular card.

For those currently in school, there are specific credit cards made for students. These cards usually have a smaller credit limit, and may have a scaled-down combination of benefits and fees compared to traditional credit cards. Student cards usually have relaxed credit requirements, since many students don't have a significant credit history, thus making it easier to get approved.

A secured card is another option for those with no or low credit, looking to boost their credit score. Secured credit cards require a security deposit that acts as your credit limit. It is also a form of collateral, ensuring that the card balance will be paid even if you miss payments.

How to apply for your first credit card

Once you determine which card is best for you, you can begin the application process. While every credit card company has its own application, you will probably be asked to provide similar personal and financial information, like your name, age, employer, annual income and housing payment. With this information, the credit card issuer will run a credit check on you to decide if you fit the criteria for card approval.

After you apply, you will either be approved and granted a card or denied. CNET outlines steps to take to figure out why you're denied for a credit card in the worst case scenario.

How to build credit with your card

Your credit score reflects how good or bad you are at managing debt. It shows lenders your creditworthiness, or how much risk is involved when lending you money. Your credit score is determined by a few factors, including your payment history, amount of debt owed, the length of credit history, how much new credit you've taken on, and your credit utilization ratio, which we'll explain below.

Here are some common blunders to avoid to keep your credit score healthy: 

• Not paying your minimum payment on time. In addition to being penalized with late fees and interest charges, late payments reported to credit bureaus indicate to future lenders that you are an unreliable borrower. Over time, consistently paying on time will build a strong credit history that will boost your score, making you eligible for better credit cards and interest rates.
• Using too much of your credit limit. Using more than 30% of your total credit line can affect your credit score negatively. This percentage is called your credit utilization ratio. So if your credit limit is $1,000, you would want to keep all your credit card purchases under $300 as a best practice. Using more of your credit lines indicates to lenders that you are a risky borrower.
• Closing credit card accounts. While it may seem reasonable to close an account for a card you don't use, it can actually lower your total available credit, lowering your credit utilization ratio and shorten your length of credit history. Depending on your situation, it may be better to keep the card open and use it occasionally. But, there are ways to cancel a credit card without destroying your credit.

Best picks for your first credit card

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR14.49% - 23.49% Variable

Intro Purchase APR0% for 6 months

Recommended Credit Fair/New to Credit

Reward Rates

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR14.49% - 23.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases – automatically.

Our Take

The Discover it® Student Cash Back* card offers the best rewards spread of student credit cards. You'll earn the 1% flat rate on all purchases, but you can also earn 5% cash back with the bonus quarterly rotating category, on up to $1,500 in combined spending per quarter (then 1%). From now through September, the bonus category includes restaurants and PayPal purchases. For October through December, it includes Amazon.com purchases and purchases made through digital wallet apps. You do have to manually activate these bonus categories through your account to earn this higher rate, though.

We also like that this card offers an Unlimited Cashback Match welcome bonus -- Discover will match your cash back earned for your whole first year, essentially doubling your cash back at the end of your first year.

For more details, see our full review of the Discover it Student Cash Back.

Intro Offer N/A

APR15.24% - 29.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Annual Fee$0

Foreign Transaction Fees $0

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Our Take

The Petal 2 Visa Credit Card, issued by WebBank, is designed for applicants of various credit types -- whether it's fair, excellent or you're just getting started. It offers a credit line between $300 and $10,000 and 1% back on all eligible purchases. 

To incentivize good credit-building behavior, your cash-back rate can increase to up to 1.5% on eligible purchases after 12 on-time monthly payments. There are no annual fees, security deposits, late fees or foreign transaction fees, making this a flexible option for anyone's first credit card.

Intro Offer N/A

APR26.99% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR26.99% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

Our Take

The Capital One Platinum Credit Card doesn't offer many perks, but it could be a good backup option for your first credit card if you don't want to put down a security deposit and aren't a student. This card is designed for people with fair, average or limited credit -- typically a credit score between 580 and 669. Though you won't earn rewards or a welcome bonus, you can build up your credit score with responsible use and there are no foreign transaction fees -- meaning you can use it abroad without facing additional costs.

For more details, check out our full review of the Capital One Platinum Credit Card.

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR24.49% Variable

Intro Purchase APRN/A

Recommended Credit New/Rebuilding Credit

Reward Rates

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR24.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Our Take

All secured credit cards require a security deposit -- but not all of them enable you to earn rewards on your purchases. With a credit limit range of $200 to $2,500, you can earn 2% cash back at gas stations and restaurants with the Discover it® Secured Credit Card*, on up to a combined $1,000 in spending per calendar quarter (then 1%). You'll earn 1% cash back on other purchases, and you'll still get the Unlimited Cashback Match as with the other Discover credit cards. This card will also let you see if you're preapproved before you apply if you so choose.

For more information, see our full review of the Discover it Secured Credit Card.

Intro Offer Limited Time Offer: Earn $100 when you spend $100 in the first three months

APR16.49% - 26.49% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward Rates

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR16.49% - 26.49% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Our Take

If you eat a lot of takeout or go to restaurants often, the Capital One SavorOne Student Cash Rewards Credit Card can maximize cash back on your meals and entertainment. You may be able to get preapproved for this credit card to test the waters, though as a student credit card, it has more relaxed credit requirements than its traditional counterparts.

You'll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Target and Walmart). Entertainment covers movie theaters, sports promoters (professional and semiprofessional live events), amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Streaming services include Netflix, Hulu and Disney+. For other purchases, you'll earn a standard 1% cash back.

*All information about the Discover it Student Cash Back and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

---

Source

Tags:

• How To Pick Your First Credit Card To Start Building Floating
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• How To Pick Your Own Phone Number
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