- Centurion Member
- Posts: 321
- Joined: Mon Jan 02, 2012 1:21 am
- Location: Denver
Now that you applied for 2 cards and have 2 inquiries, you now have to wait 2 more years before applying for any additional non-secured credit. Or you will screw your barely established credit file even more. 1 credit inquiry per year, and you already used both of yours.
Your best bet to start credit is to go with a secured card with a low limit and prove for at least 2-4 years that you can handle that credit responsibly. If you want in with American Express then start with a prepaid, demonstrate your ability to pay and then in 2 years apply for a Zync. There is nothing dishonorable about having a prepaid card and staying within your means. The only person who ever really sees the card is you and the minimum wage cashier you are handing it to. And I am sure your friends your age do not have credit cards either starting college.
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