I'm a student who keeps getting denied for credit cards

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I'm a student who keeps getting denied for credit cards

Postby kevluxlivin » Sat Jun 08, 2013 12:13 pm

Hi, I am currently a college student and I've applied for credit cards and have been denied each time, i have student loans, i have 2 jobs and I was wondering what is keeping me from getting a credit card.

I know i don't have much credit at all, but I am very responsible and I am looking to build up my credit score.

I would only use my credit card when I NEED things and a great way to build my credit up is to use a credit card to buy those things and just pay it off with my debit card.

If anyone has any suggestions please let me know.

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Postby im_mr_awesome » Sat Jun 08, 2013 12:59 pm

Build your credit by using cards for things you would buy anyway, instead of for things you desperately need. You'll find ways to qualify anything as a need in that case. I did it, and I'm a responsible buyer. It's easy when you're new to credit.

As for why you keep getting denied, probably your lack of credit history or you're applying for cards that are beyond your credit profile. I'd try for a secured card from Bank of America or Capital One. You could try Discover it for Students, but I doubt it.
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680

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Postby Marcov719 » Sat Jun 08, 2013 1:03 pm

The best piece of advice I can give you right now is find out where you stand. By this I mean pull up your credit scores and see what is preventing you from getting that card you want. Tons of great quality information on this forum so just search what you're looking for. Here is a start on some student cards you can read up on. Another great strategy is to talk to your bank and see what they offer as far as student credit card goes or better yet a secured card. I was on the same boat as you and what helped me was a Capital One Secured card, great payment history, and following all the tips and tricks on how to use credit the right way on this forum.

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Postby MemberSince99 » Sat Jun 08, 2013 1:10 pm

I think Marco is right. Find out. I'm guessing you may not have any scores right now due to lack of history (which is why you are getting declined).

In that case, as mentioned, student cards or secured cards are how you are going to have to start.

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Postby beef.stu » Sat Jun 08, 2013 1:19 pm

what cards have you applied for?
I would think you should be able to get a student card as long as you have been good about paying your loans on time, unless you havent had to start paying them back yet.

What reasons did they list for you not being approved?
They should tell you this for each denied application as well as give you a score that they saw from the credit report that they pulled.

Also you should probably check your credit reports if you havent already from annualcreditreport.com to make sure everything is accurate. You get to do it once per year for free if you didnt know that already.
(01/10) - Wells Fargo VISA Platinum
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature

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Postby HookEmHorns » Sat Jun 08, 2013 3:05 pm

I was denied for Citi and Cap One cards due to lack of history, although I had 4 student loans paid off in good standing when I applied. Weird, because as a student, there was no way for me to have extensive history. Then, on a whim I applied for the Discover It Student card and was approved. I held that for 4 months and then got an Amex charge card and a Chase Freedom. I would suggest waiting awhile before applying for another one to allow some of the inquiries to fall off. Then try Discover, if you haven't already. I'm glad they took a chance on me first when no other company would give a card, and trust, they haven't regretted it.
AMEX PRG~1/14--backdated to 2012
AMEX BCE~6/13--backdated to 2012
Chase Freedom~5/13
Discover IT ~12/12


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Postby augiedog » Sun Jun 09, 2013 12:46 pm

My first credit card was a BankAmericard Cashback Visa. Before that I was denied every credit card application.

Get a credit card from the bank you have your checking account with. They may already pre-qualify you because you are responsible with your account. After a few months of paying off that card, go ahead and apply for another card!
American Express: Blue Cash Everyday (10k), Everyday, Plenti ; Discover It (7.3k) ; Target (1.6k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

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