Hard time getting credit card - Page 2

thing is, why need a credit card as soon as you get your social?

oh you thought things were going to be downhill after that huh, nope. Time to get out and make something of your self. Strive for a good pay and then build upon your credit.

Yes, there are dreamers with 10k credit lines don't get me wrong. But you, specially if you're a student, with no job.. what do you think is going to happen?

and i'm not talking specifically about OP, i'm talking about You, yeah you.

also, its going to take at least a few years for our numbers to be integrated fully.

don't go applying like a pendejo either, that's BAD for your credit. its what they call a hard credit check. or actually go ahead, keep applying. Fuck it right?

10k credit lines, LOL

That's me.
But it took years to establish and I do have a job.

tell that to the people who are barely starting to establish credit. but hard work pays off

I do have a job also.. Hah

Only the bank and Verizon accounts affect your credit record. In a month or two, try applying for a store credit card. (For example, Walmart, Target, etc). Use it lightly and pay it in full every month and DON'T make late payments, that includes Verizon. After about 9 months of successfully using your store card, you can then try applying for something else.

Applying too frequently for credit, has NEGATIVE consequences.

This made me but it's so true. Some folks are young and don't know any better I'm glad this forum exists though it helps us a lot.

Good info.

Try CapitalOne Journey, I got approved right away with my new SS. I applied after a month I got my ss and DL. I had no credit history btw

The BofA secured card is your best bet. Its probably the best secured card available because it graduates to unsecured after a year and your deposit is returned. Just be sure to keep your utilazation low(around 10%) and always pay on time. The downside is the annual fee which is 39 bucks iirc.

BTW after you get accepted call a backdoor # and ask them to tack on cash rewards to your card. You'll make those 39 bucks back in rewards.

Here's a bank of america backdoor #: 888-260-4696 . Should get you directly to a credit analyst.

I applied to two college credit cards at once and got denied will that be bad?? I also applied for the Discover student card and sent in some proves that im attending school. I also do not understand why I am getting denied because i have a job but i havent updated my ss# and I been having my Chase account open for about 7 years and I just updated the my ss# with chase about a month ago

thats cause you have no credit ...and your ssn its too new ...the same thing happened to me ...i kept getting denied ...until i tried the capital one secured card ...you just have to use your own money to make a deposit