Please Help!

For just about anything you want to get off your chest about credit cards.
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jbarrettpacers
 
Posts: 2
Joined: Mon Jul 13, 2015 7:29 pm

Please Help!

Postby jbarrettpacers » Mon Jul 13, 2015 8:00 pm

Hello everyone, I am going to be a college freshman this fall, and I am trying to get a credit card. I applied to several student cards, but got denied because I don't have any credit history, and only make about $1500 a year. Now, my dad, who has near perfect credit, has agreed to co-sign on a credit card for me. Can anyone recommend any specific credit cards that I apply for that allow co-signers?

Actually paying for the expenses is not an issue for me - I have about $24,000 in liquid assets, and I am a pretty frugal spender. I just need to get a card, and I would prefer one with no annual fee, and cash rewards if possible. I found this one from State Farm that allows a co-signer, but I would like to find something with rewards.

Thanks in advance for any help.


jbarrettpacers
 
Posts: 2
Joined: Mon Jul 13, 2015 7:29 pm

Re: Please Help!

Postby jbarrettpacers » Tue Jul 14, 2015 4:42 pm

Also, I'm just trying to get a credit card to build a credit score for the future.

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CarefulBuilder14
Centurion Member
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Posts: 3757
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Please Help!

Postby CarefulBuilder14 » Tue Jul 14, 2015 5:35 pm

Discover has a good student version of the It card. Did you try that?

If you did and were declined, reapply with him as the cosigner. If you reapply within a week or two, they probably won't need to pull your credit again.
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

morgacj2004
Platinum Member
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Joined: Tue Jun 09, 2015 2:21 pm

Re: Please Help!

Postby morgacj2004 » Wed Jul 22, 2015 6:25 pm

I would recommend the Capital One Journey card. It is specifically designed for students and has easier approval standards.



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