Originally Posted by zone2oo0

Its not that we're anti-credit card. Its the fact that we know what it takes to get one, and DREAMERS are susceptible at not getting approved due to the age of the Social and lack of credit history.

also, a lot of DREAMERS are young and therefor lack the knowledge to actually take care of a credit card. I know its pretty straight forward right? You get the credit, you use it and then you pay it off. But things aren't always that way. Hey there's this cool new toy that i would like to purchase, and what do you know.. i have a credit card!!! so they proceed to acquire such thing. Hey i only have to pay 31 dollars a month!! COOL!!! so you make the minimum payment, until things get tough because of unknown circumstances. UH OH!! we're in trouble, that's ok though. I'll keep making the minimum payment!!! and you keep adding more shit to the credit card until you cap it off.

So in a way its good that you guys aren't getting approved right off the bat. Get a secure source of income, and then proceed to borrow money. YES even if you're going to school a job can be acquired.

Originally Posted by prt19657

Try Bank of America secured credit card.
It seems like a lot of people are anti-credit card here. But it's important when you need to buy a car, a house, or apply for some jobs. My mom never feel the need of it until she need to get a denture. She could pay for it by cash but they need credit. And you see you cannot build credit overnight. It's better to be prepared.

Originally Posted by beachgirlx19

I applied for a Journey credit card from capital one it's a student credit card, they gave me a $500 limit line and i got approved instantly. That is the first card that I have. Another one I have is from barclaycard, one of my friends is a permanent resident and he agreed to get a credit card so I can finance my macbook through that, they instantly approved him for a $1,700 credit line, and he added me so now we kinda both share the card, but I use most of it and pay it off under his name but now since he added me I believe it affects both of our credit scores.