Best credit cards for students with no credit history?

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Best credit cards for students with no credit history?

Postby ahmadka » Tue Nov 02, 2010 2:09 pm

Hi all .. This is my first post here so please forgive me if I'm doing anything wrong .. :)

Anyways, so the thing is I don't know much about credit cards as I've never really used one till now (I've been on debit cards till now), and I think its time I delved into the world of credit cards ..

I've an international student and I've been in the US for a little over a year now, but till now I haven't been able to build any credit history .. I've been using a Wachovia (now becoming Wells Fargo) Check Card till now ..

So which credit card would be the best for my situation (student with no credit history) ? I would like to get a credit card which has no fees and has some cashback options ..

Thanks in advance for all your help :)

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Mogul of Pineapples
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Postby Mogul of Pineapples » Tue Nov 02, 2010 7:22 pm

I hate to say it but you may be out of luck. Every U.S. credit card issuer I know of requires applicants to be U.S. citizens. Are you trying to apply for a U.S. credit card or one from your home country?

Normally the best credit cards for students with no credit history will be either (a) a starter card from the bank they have their checking/savings at or (b) a credit card for college students specifically. Either way the limits will be very low to start off with.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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Joined: Tue Nov 02, 2010 1:58 pm
Location: US

Postby ahmadka » Tue Nov 02, 2010 8:14 pm

No I'm trying to apply for a US based credit card .. I talked to customer agents for the Discover Student Card and the CapitolOne Student Card ... They both said that their cards are meant for students who are 'trying to build their credit history' ..

Is there any way to predict if a bank will accept or reject your application ? I've heard that if you apply for a card and you are rejected then this affects your credit score negatively .. So I dont want to apply if chances for acceptance are not good ..

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