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my first creditcard application got denied

lol, 0wn3d

Try for a different credit card. How much does your job pay (hourly) now? You could always apply for a Discover student card, I got that with zilch credit whatsoever. Seems they'll take anybody really
 
Just lie on the application! Say you make $1,000,000 a year and have worked at your job for 20 years and lived at your current house for 25 years. That way you get a quadruple diamond bling bling card with a $1,000,000,000 limit!
 
Originally posted by: mpitts
Get a department store credit card first.
Click to expand...


What kind of advice are you giving this poor soul? Never take out a dept store credit card. Interest rates are way too high on those. I would suggest taking out a credit card that acts like a debit card. YOu can only use it if you have money in the bank. You don't want to get sucked into credit cards when you're a student. They heavily target students. Be happy you don't have debt! Remember, if you use a credit card, then usually it means you don't have the money, which means you shouldn't buy the item.
 
</Nelson> Ha Ha! <Nelson>

j/k, try a gas card or dept store card. My first one was Sears, then I was able to quickly get a Discover Card. And just pay the thing off monthly and you don't have to worry about the interest rate.
 
Originally posted by: Angrymarshmello
Originally posted by: PipBoy
at least you can get a free credit report now.
Click to expand...

He has no credit
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at least someone was paying attention!!!




I make only about 10k a year, have about 7k in the bank. I work part time(ALMOST FULL TIME, 38 hours a week) and go to school full time and maintain a 3.1gpa......
 
Originally posted by: jagr10
Originally posted by: mpitts
Get a department store credit card first.
Click to expand...


What kind of advice are you giving this poor soul? Never take out a dept store credit card. Interest rates are way too high on those. I would suggest taking out a credit card that acts like a debit card. YOu can only use it if you have money in the bank. You don't want to get sucked into credit cards when you're a student. They heavily target students. Be happy you don't have debt! Remember, if you use a credit card, then usually it means you don't have the money, which means you shouldn't buy the item.
Click to expand...


Hrm, guess I should explain to you.


Department store cards are free, they dont cost anything, you dont have to secure them, and they give them to you almost not matter what, just with like 100 limit...

He buys a pair of socks at the store, pays off card, cancels it... he now has credit.... he can now get a starter card or student card
 
my cousin got a card from TD bank in Canada with no credit or anything... but with a 500 dollar limit, it was a special card for students, maybe you could try to get something like that
 
Originally posted by: Lenine
my cousin got a card from TD bank in Canada with no credit or anything... but with a 500 dollar limit, it was a special card for students, maybe you could try to get something like that
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that's what i applied for, albiet through a major CC company, i went for their student card
 
Where is RossMAN when you need him...

Anyways, you can always go the secured credit card route. Major banks issue these.
 
Which company did you go through? I hear that a Capital One card is one of the easier CC's to get.
 
Originally posted by: brtspears2
Where is RossMAN when you need him...

Anyways, you can always go the secured credit card route. Major banks issue these.
Click to expand...

Rossman is here, he's lurkin' hardcore
 
Originally posted by: brtspears2
Where is RossMAN when you need him... Anyways, you can always go the secured credit card route. Major banks issue these.
Click to expand...

Yep, that's what I have 🙂
 
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