xcrusher10101 wrote:Right now I have a Macy's store prepaid visa card because I work for them and an Amex Everyday under my dad's name. I want to apply for a card for myself but I'm not sure which one I should go with.
I want an AmEx card but probably won't get approved. [color="red"]I don't know what my credit is[/color]. I would like a card that gives cash back or has rewards. Will applying for multiple credit cards lower my credit rating?
thom02099 wrote:Without knowing what your credit is, I think it's premature for you to consider ANY card. You need a starting point and you don't have one. Also, any advice given here or any other forum will need to be based on what your credit profile looks like. You can't do that, since you don't know your credit picture, so we can't help you.
I don't mean to sound harsh, but this is a basic reality of Credit 101, to know where you are as far as your credit report. Check your scores and then post them. THEN we may be able to assist you.
xcrusher10101 wrote:I don't know what my credit is.
xcrusher10101 wrote:Will applying for multiple credit cards lower my credit rating?
xcrusher10101 wrote:I tried looking up my credit on annualcreditreport but it won't show up, they can't retrieve the information.
xcrusher10101 wrote:What do you suggest I do then? Should I just go for the discover it card?
Contact the CRA's individually and find out why you can't pull your reports. The prepaid card isn't relevant since it's not a credit card but the Everyday card should be reporting. How long have you been an authorized user on that account?
luvbullmarkets wrote:At the very least you should get a creditkarma online profile. They now list both Trans union and Equifax FICO scores. If your store accounts are not showing then consider contacting the card issuers to make sure they are sending out monthly reports to credit bureaus.
xcrusher10101 wrote:Sorry for the triple post but I can't edit my old posts until they're approved but does going over your credit limit lower my credit because the limit is shared between my parents. The limit is like 15k and they used it to play for my tuition this semester and all the other expenses it's at like 16.8k. It's also gone over the limit a bunch of times in the past.