- Centurion Member
- Posts: 339
- Joined: Fri May 11, 2012 4:08 pm
- Location: Atlantic City, NJ
Are you interested in a rewards card, or something with lower rates?
Chase Freedom is a card you can't go wrong with for racking up points, although the rotating categories turn some people off. American Express and Chase are great companies to have credit cards with, if you're into the rewards game-- they also may be difficult to be approved for though if you have never had a credit card. If you are interested in a hardcore rewards card from American Express, I'd try the Zync route first given your score and limited history. The Zync is known to be the easiest Amex product to get approved for-- it is a charge card (full balance due each month) which carries a very small annual fee and has a rewards program. Once you have had Zync for at least 6 months, THEN try for another Amex card to dramatically increase your chances. If credit cards have always intimidated you, Zync shouldn't be too tempting to overspend since the balance is due each cycle and isn't meant to be carried month to month.
Citi and Bank of America, but especially Citi, tend to be easier to get your foot in the door with for those with limited history. Both companies have some decent cards out there with no annual fees, and Citi is pretty generous with limits (although their customer service is terrible).
If you are not interested in rewards, and just want a traditional credit card with the most favorable terms, you could try obtaining one from a local credit union (join if you aren't already, its usually worth it). They usually won't stick it to you as bad with the APR and penalty fees, and will have American based customer service that you won't have to struggle to understand. Credit unions may want to verify your employment and/or income beforie issuing the card, which is a simple process. If you don't have a local branch, there are many credit unions online that are easy to join and offer competive products.
PS- One last note on this. Just saw that you are located near Alexandria, Virginia- which happens to be the seat of operations for one of the best credit unions there is, Pentagon Federal CU. They have fantastic products but they have been notoriously hard for some people to get in with, and I don't recommend trying them to get approved for your first credit card. It could happen, but it would probably be a long shot.
Now she's eyeless.
The snakes she held once
Eat up her hands.