Good credit cards for 19 year old?

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Good credit cards for 19 year old?

Postby NegroNinja » Mon Feb 04, 2013 8:11 am

Hi everyone, I'm new to credit and I'm trying to get myself in good standing with it. I'm 19 years old with an income if about 24k a year. I plan on going back to school this fall semester coming up as well.

I recently signed up for and they told me I have a credit score of 710. However, it also says one of the things hurting my credit is that I don't have a open credit card just store specific credit cards.

So I was hoping someone could offer me some advice as to what type of credit card I should get. Any help is appreciated. Thank you!

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Postby Bksuper » Mon Feb 04, 2013 6:59 pm

Citi Forward for Students would be your #1 entry level I think.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

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Postby moxie » Mon Feb 04, 2013 7:20 pm

I agree about getting the Citi Forward for Students card. It is also easier to get this card since it is geared to students.

It was my first card as a student and I never regretted it. Especially if you're into going out with friends (restaurants/movies) and buying textbooks.

But it's also to whatever you would use the card for the most. My roommate's first card was the Bank of America Cash Rewards for Students because she is super lazy and likes that it puts back a certain % straight into her BoA account and she uses it most for groceries rather than restaurants.

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Postby Money card » Mon Feb 04, 2013 9:06 pm

I would say your local bank, do they offer any credit cards where you have your checking account. not chase. maybe you can try
Key bank, I would try your local bank. you could also ask your father if he can go to a bank with you and cosign you for a credit card.

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Postby smills228 » Tue Feb 05, 2013 10:56 pm

NegroNinja wrote: I plan on going back to school this fall semester coming up as well.

If you have a college student ID that doesn't say it's expired (maybe from a past stint at school or something?), then the Citi Forward for students is great, as is the Discover IT for students. When I applied for student cards with them, though, both banks asked for proof of my student status. If you're don't have any way to prove that, you might want to wait, or choose another card.

Capital One (as bad of a reputation as they have) has some really fair cards that are easy to get for someone just starting out, and they even have 1% cashback (which is better than you'll find with other entry-level cards or with secured cards). They were a useful way for me to springboard my credit.

Also, I'll second everyone else who says go into your local bank, if you bank locally (not online), since they often have special bonuses for customers and can sometimes give you special recommendation if you've been a longstanding customer or if you have high savings/investment balances.
American Express Premier Rewards Gold
American Express Business Gold Employee Card (Authorized User)
American Express Gold Delta Skymiles
Discover More
Chase Amazon Visa
Citi Simplicity
Capital One Journey

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