I am planning on applying for a credit card soon and am seeking recommendations for a card that I would definitely be approved for and ideally would have a decent credit limit ($1500+).
I am a college student and have had a secured visa card for a year. My Experian credit score is 725 and my Transunion VantageScore is 712. Something I noticed on these two credit scores is that the Transunion includes 2 of my parent's credit cards while the Experian only listed the card that I opened myself.
My main question is if I should apply for a student credit card or if it is likely that I would be approved for a regular credit card from a financial institution. I want to make sure that whatever I apply for I will very likely be approved for, as I don't want more than one hard pull especially since I know more hard pull(s) will be coming as I find a new apartment. I ask about the possibility of applying for a non-student credit card as I know student credit cards typically have quite low credit limits, even though I have a decent income. The priority though is on getting approved.
What student or regular credit cards would you recommend I apply for that would be safe bets for application approval?
If it helps here are the negative factors listed on my credit scores:
- "You have too few credit accounts"
- "Time since oldest account opened is too recent"
- "You have no retail revolving accounts that can be used in determining a credit score"
- "The available credit on your open revolving credit accounts is too low"