- Platinum Member
- Posts: 57
- Joined: Sat Mar 09, 2013 12:24 pm
- Location: Pennsylvania
Don't quote me on this but I don't think banks would give rewards cards to people without credit. It *seems* like something you have to build up to. Right up there with the better interest rates and no annual fees cards. I'm curious if my thoughts are wrong on this?
I started building credit this year. Technically, I had student loans I paid off and closed over 10 yrs ago along with 1(closed) Cap1 credit card. At the beginning of this year I had 0 average age of account. No baddies on my report either. First thing I applied for was the Amazon card(since I mostly shop there). I was declined due to lack of history. I also thought to apply for a Macy's card since it's often suggested we start out with department store cards. Well, on their application they needed at least 1 credit card info. That was also the situation with Walmart. I was told(by the cashier) you'd need a credit card to get their credit card.
I'd try Cap1. The one with the $39/yr annual fee to start.
(1/13) Fingerhut - $1,100
(2/13) Capital One Quicksilver- $3,500
(3/13) Capital One Quicksilver One- $750 ($19 AF)
(8/13) Discover IT- $2,000
(8/13) Citi Dividend- $1,200
(8/13) Chase Slate- $2,500
(9/13) Chase Amazon Visa Sig - $4,000
(9/13) Victoria Secret- $750
(9/13) Paypal Extras Mastercard- $3,000
(9/13)] MyPoints Visa- $1,500
(10/13)Walmart Discover- 3,000