First, let me apologize... as an active member of many internet forums, I don't particularly like "this" kind of post... a post from someone who seemingly wants the community to do all of the work for them... but I really need your help! I'm overwhelmed by all of the jargon!
I am a 24 yo grad student (2 years left of school) that has never had a credit card. I am looking to purchase a new laptop this summer, and instead of paying cash for it, I figured putting it towards my credit would be more beneficial than just forking over the money.
Credit Card Utilization 0%
Payment History 100%
Age of Credit History 1 Yr 11 Mos (Oldest 5 yr)
Total Accounts 4
Credit Inquiries 0
Derogatory Marks 1 ------> ($25 copay from a Dr. office from AT LEAST 5 years ago that I JUST found out about when running CK report... will get this resolved next week... no calls from collection agency or anything
I am looking for something that I can use mainly for groceries, gas, and the occasional dinner at a restaurant..things I currently just put on my CHASE debit card. I work part time, go to school full time, and live off student loans during the school year. I will have a pretty decent paycheck once I graduate. I would like to maximize the efficiency of my use of capital until graduation and need YOUR input on my situation!
Do I stand a chance of being approved for a card 'better' than a basic student card? Or is that my best bet? Any recommendations?