@Mogul: Yes it was the student one.
The Citi Forward was my second choice, and should probably have started with that one...
*ALSO: Wachovia didn't let me have a SECURED card...??? supposedly I didn't have enough income in case I defaulted. So I either had to show more income somehow, or get a co-signer (or co-applicant, is there a difference?) However, wouldn't that make any action (good or bad) done to the account show up on my co-signer's credit report? Almost like the card wasn't in my name at all...?
I'm pretty sure the reason was because I don't have enough income/no history. So everything works against me. How long do inquiries stay on your report? How many is too many? And also, me and my mom are having this argument on credit. I need some clarification on some things...
1) I've come to understand that just by having a checking account doesn't affect your score directly, however when applying for a CC they check balances to see that you have the financial standing to afford one. (i suppose...?) Is my assumption solid?
2) When applying for any card that is high interest (such as 18.99% in one case, and 23.99% in another) just based on that percentage will other CC companies see that as a shortcoming and see that you are naive in accepting that high rate, and rack it up for you also? To put it another way, will applying for and having a high interest card affect the interest of another/future cards?
I highly appreciate any help! I'm interested in getting a good start on the credit scene and need all the advice i can get!