What if I have no credit score?

For just about anything you want to get off your chest about credit cards.
3 posts
dude5756
 
Posts: 1
Joined: Mon Apr 16, 2012 12:01 pm
Location: New York

What if I have no credit score?

Postby dude5756 » Mon Apr 16, 2012 12:08 pm

Current college student. If I applied for a credit card but got denied because I have no recent credit score or activity, will this adversely affect my credit in the future?

How soon can I reapply with another creditor? I was silly and applied for a card I knew I probably wasn't going to get and will apply for a more student-oriented card through my bank now.


Starwind
Green Member
Green Member
 
Posts: 7
Joined: Tue Apr 03, 2012 10:53 pm
Location: Indiana

Postby Starwind » Tue Apr 17, 2012 7:00 pm

You want to keep applications for credit to a minimum. What card did you apply for? I would find a student card you are likely to be accepted for and apply for that or get a secured credit card to build up 6 months history or so. Then apply for a real card or increase the limit on the one you received.

bmw1990Z
Centurion Member
Centurion Member
 
Posts: 341
Joined: Sun Mar 18, 2012 10:08 am
Location: USA

Postby bmw1990Z » Tue Apr 17, 2012 9:52 pm

I did the same thing last year. It's really not a huge deal when you are starting out as you need to start somewhere. Most student cards are easy to get as long as you are indeed a college student, hold down a somesort of income etc. See my post about citibank in this section of the forum.
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 0 guests