- Platinum Member
- Posts: 62
- Joined: Thu Aug 25, 2011 8:51 pm
- Location: South Bend, IN
Do you go to college at all? Have you even applied for a CC yet? If so, which one(s)? Have you called and asked to be reconsidered for the card(s)?
I know a vast majority of CC applications are processed automatically. No one, I stress no one, get approved for a CC from the store I work at. Most will automatically decline if there is no history of credit. However, if you take the time to call and talk to a representative you will usually be approved, especially with a good job.
If you are absolutely unable to be approved for an unsecured CC, even from Capital One, you can always get a secured card. Since, you seem to have some $$ socked away, you would be able to get a good limit. If you do this, make sure that the card reports to all 3 credit bureaus.
A good credit score takes years and years to build, especially with this cautious economy.