ModernChaot wrote:Hi everyone,
I was wondering if I should apply for the USAA Secured, and if yes, AMEX or Mastercard.
I'm 18, work part-time at a college, had the C1 Secured Credit Card for 2 billing cycles, and got turned down a few times before I got the C1. My credit score in Mid-September (before I got C1) was around 560.
Thanks in advance
Since you asked I'm just going to answer as honestly as I can.
First, you have very little credit history, 2 months on a secured card, that's what is called a "thin file". Second your score of 560 reflects that. It's honestly a low score. With good care it will grow better in time, but right now it would be extremely difficult for you to get any other cards with the exception of more secured cards or maybe a credit union card.
You can simply forget about Amex - it won't happen anytime soon. Not even Zync. Besides that with part time (and presumably lower income) employment, well that makes it tough.
However, all is not lost. If you take care of what you have your score will grow in time. You might try for a credit union card if you do business with one or another secured card, then let those grow for a year before you do anything else. At that time fi you've diligently taken care of your credit your score should be mid 600s. Then Zync is possible, depending on your income. Chase Freedom and Discover IT will also be possible at that point.
I hope this information is helpful to you. It's better to know what is realistic, and next steps to take to get where you want to go.
You could also try getting added as an AU on someone else's card if anyone will let you do that, that could help as well. But otherwise there really are no shortcuts available for this process. You're just starting out, so take care of your credit and it will pay off.