- Posts: 2
- Joined: Mon May 06, 2013 3:40 am
- Location: Fort Worth, TX
I'm new to the world of credit and I need some advice about which card I should/ would be able to get. I have never had a credit card and have no credit history, but I know I need to start building my credit. Here is a little more info about me:
-I am 21 years old, about to graduate from college
-I have had a summer job for the past 6 years, last year I made $8500
-Starting in September I will teach high school, the salary is $46,000; I will have no income until September
-I have a total of 4 bank accounts at 2 different banks: 3 at Wells Fargo (1 checking, 2 savings) totaling ~$30,000, 1 at Charles Schwabb with ~$250,000
-I have never had a loan or debt of any kind
-5 months ago, I applied for a Nordstrom credit card and was denied. This is the only card I have ever applied for.
Basically my question is which card is right for me? I do not want another denial on my record! Should I try to get a Wells Fargo card? Should I wait another couple months before applying (so it has been more than 6 months since the denial)?
it possible to get an unsecured card? Credit Karma says I have a "thin file." Are there any other ways to build on this? I would rather not take out a loan I don't need just for the sake of having a loan.
Thanks for the help!