First of all, thank you for your input, this forum was a great resource for me.
And now for the question....
I moved to U.S. 3 years ago, so at that time I had 0 credit history. In 2010 I added myself to my husband's CC account as an AU. He had that CC since 2000, with CL of 9200$, and always paid in full on time, his CS is excellent at ~780. So far that AU is the only thing I have on my CH.
Now a few weeks ago I finally got my first (low paying, ~18k/ year) job and would like to get my first independent CC to build my credit. Before checking my CS I was settled with the idea that I will get a secured CC and build my creditworthiness annoyingly slowly. To my surprise, when I recently checked my CS, I got 789 FICO from Equifax and a 805 (or B) Vantage Score from Experian. I guess the automated system took into account the 12 y.o. CC history, credit use of 30% or less and always paying in full on time.
So my question is... Is it realistic for me to shoot for something better that secured credit card? I have that allegedly high score, which, I guess, won't impress a bank clerk without stable salary and diversified credit. I have lived at my current address for some years now, that shows stability. On the other hand, I have no work history, just a low paying job that's a few weeks old. I am very frugal and responsible with money, I don't need a huge credit limit, just a decent CC without ridiculous fees. If I could get cash back- even better, because our current Citi Diamond Preferred with Extra Cash just sucks.
My husband with his excellent credit history could have a Chase Freedom or something similar, but he's just very conservative when it comes to credit. But maybe that's why his score is excellent
So... What card could I realistically get... I don't want to apply and get denied. And should I wait before applying to build some work history?
Thanks and sorry for such a long post...