twiney wrote:Some list "fair credit" for the requirements do I have a shot with them or am I in the same category as delinquents who have flaked on their debt? That's so not fair if it's the case.
If buy your groceries/a tank of gas/a muffin, do you think anyone seriously thinks, "Ew, he's paying with a card *those people* have. He must be rotten at his money management and can't get anything better, poor guy. I had no idea."
If not, why should you let the thought of, "Ewww, I'm so much better than this! Fer sure!" get in the way of things, now that you've decided to tackle establishing your credit?
A starter card is just that... it's a tool to use to get what you want. It's useful for a while, then you grow, and you can cut it loose if it's not doing you any good, and you can keep it if it's contributing to your credit limit/AAoA/credit mix, even if you don't keep your primary spending on it.
I was happy to be an AU on my husband's cards for way too long. I lost out on a lot of time because I didn't realize that credit score =/= credit history. Now I'm working hard at establishing my independent credit history. I wish I had known about starter cards that convert. Instead, I started off with a $39/year Capital One Platinum in October/November 2012 (an "ew!" card), a Citi ThankYou in January, 2013 (a "meh!" card), and by July 2013, I had picked up a $25k AmEx BlueSky (an "I'm starting to feel legit!" card).
I do wish I had known about starter cards that convert to regular cards. I would have picked up one of those in a heartbeat rather than a card with an AF that didn't grow at least a little bit with me.