- Centurion Member
- Posts: 1099
- Joined: Sun May 04, 2014 4:41 pm
- Location: Atlanta, GA
mathman314 wrote:Personally, I wouldn't recommend a store card being anyone's first credit card. Since a store credit card only lets you charge at that specific store, I don't see the point in it being the first credit card they have. Naw, one should get a card that let's them explore the waters a bit. But that's just me.
If the store cards are the only reasonable option for the op, I'd recommend something from Synchrony Bank that realistically he will have desire to use. Extremely wise to PIF of course but the limits grow pretty quickly and can help him get higher limit cards from the prime lenders later on and also acting as utilization padding too. My Amazon card started out with a limit of $600 and gave me a really good auto CLI a few months later and I've gotten another since by requesting it.
If that doesn't work, that SDFCU secured card doesn't sound like a bad option. Sometimes discover will give out counteroffers for their secured card like they did with my father recently. Boa's secured card also sounds like a great deal to me.
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