Whats a good choice for someone with zero credit history?

For just about anything you want to get off your chest about credit cards.
6 posts
Littesweet1524
 
Posts: 1
Joined: Fri Jun 21, 2013 2:56 pm
Location: Las Vegas, Nevada

Whats a good choice for someone with zero credit history?

Postby Littesweet1524 » Fri Jun 21, 2013 3:01 pm

I've been looking for a credit card for awhile now. I'm 22 and have no credit history.

I was trying to get a car loan and found out it was declined because I have no credit. I'm with a credit union but they don't have credit cards (it's dumb I know) so now I have to look else where.

Any advice is very much appreciated! I'm from Vegas if anyone out there is a local and can help me out by telling me their experience =)


CreditorPredator
Green Member
Green Member
 
Posts: 8
Joined: Fri Jun 14, 2013 3:40 pm
Location: houston, TX

Postby CreditorPredator » Sat Jun 22, 2013 10:01 pm

I believe some store cards like Target will give cards with low credit limits (like $200). Use those for a while to build up history, then you should have no problem getting the majors.

User avatar
Snowman
Centurion Member
Centurion Member
 
Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

Postby Snowman » Sun Jun 23, 2013 12:47 am

I would suggest you start with whoever you bank with, and if not try a big bank first and see what happens, or try getting a secured card and then see if it unsecures and then expand from there.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sun Jun 23, 2013 7:00 am

Target is actually a hard card to get from what I've read, and as you mentioned, they'll give you 200 dollars (it seems 80% of people get that limit) and it most likely will NEVER increase, the odds of them upping your limit is just a bit better than of you winning the lottery. That is one I cannot recommend, you would be better off getting a GE card like Walmart because with heavy use and PIF they will bump the limit.

websteth
Centurion Member
Centurion Member
 
Posts: 279
Joined: Sun Dec 05, 2010 10:40 am
Location: Florida

Postby websteth » Sun Jun 23, 2013 10:52 am

MemberSince99 wrote:Target is actually a hard card to get from what I've read, and as you mentioned, they'll give you 200 dollars (it seems 80% of people get that limit) and it most likely will NEVER increase, the odds of them upping your limit is just a bit better than of you winning the lottery. That is one I cannot recommend, you would be better off getting a GE card like Walmart because with heavy use and PIF they will bump the limit.


I have well over the $200 mark on Target. They didn't seem too hard to get. Having said that, I would agree with starting with your local bank.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard

DavidNY
Centurion Member
Centurion Member
 
Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Sun Jun 23, 2013 11:29 am

Bank of America Secured Visa



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests