Best Credit Card to Build Credit (with no credit history :<)

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Best Credit Card to Build Credit (with no credit history :<)

Postby Spiffy » Tue Apr 12, 2011 6:30 pm

So I've been perusing the forums and have seen many similar topics, but none that quite seem to fit the bill. I'm 22, out of college, and well-employed (middle x0,000s) and I have no credit history. Yes, dumb, I know. No student loans either.

I've been looking around trying to find the best cards that I could conceivably be approved for and would help build my credit. I'm pretty much a total newcomer to the credit field, so I'm not exactly sure what I should be looking for.

I've been pre-approved at my bank (US Bank) for a Visa Platinum card, but should I shop around for other cards at credit unions or are there other entry-level cards I should consider? My eventual hope is to get Amex Blue, but we'll see how that goes.


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Postby AmanteDecor » Wed Apr 13, 2011 1:27 am

Hey Spiffy, welcome to the forum!

Since you are out of college and have zero credit history, I would recommend going with the credit card that your bank already pre-approved you for. There was another thread on the forum with a guy in a similar predicament as you, and he was rejected from every credit card he applied for--except for the bank issued card--because of his age/lack of credit history.

Once you have used the US Bank card for ~8 months (it takes 6 months to show that you've begun to build your credit score) you'll be set to get a better card; Amex's Zync, Discover's More or Citi's Forward are all great choices. I would recommend the Zync (I recently got one myself and I love it) since you're trying to eventually get the Blue, it'll help in getting your foot in the door with Amex.

Good luck!

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Postby sdfinch » Fri Apr 15, 2011 4:14 pm

Hello Spiffy,

I have to agree with Amante above! Since your pre approved go for it. Keep a small balance on the card for 6-8 months. Your mailbox will flood with offers afterwards. You might want to stay away from credit unions to build credit. Some small banks and credit unions do not report to the 3 bureaus. If you do go with one, just make sure they report.

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Postby Karma » Wed May 04, 2011 8:30 am

Give Capital One a try see if you are pre approved.

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