- Posts: 1
- Joined: Tue Aug 05, 2014 3:44 am
- Location: New York
I very recently established credit. Right now, I only have one line of credit with fingerhut, 800$, and soon I may or may not have a credit one credit card with a 300$ limit.
I am looking for a credit card that I am able to be accepted for, I am trying to avoid secured credit cards.
I have never missed a single payment, nor been late, I have payed on time and even more than the minimum due. the only things stopping me is the age of my credit, my total debt ratio(Im using alot of my credit at the moment) and my super inquiries(almost 20, because I was applying alot for cards when I first turned 18 when I knew nothing of credit nor what can hurt your score)
Any suggestions? If there are no options for me right now, besides a secured card, what is most important and determining why I am unable to get a card? is it the debt, the credit age, or my inquiries?