675 credit score and 20 years old, which card should I get?

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justin
 
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675 credit score and 20 years old, which card should I get?

Postby justin » Mon Aug 12, 2013 11:43 pm

I am a 20 year old with very limited credit history. I have never had a credit card before. After being declined for two credit cards I decided to check my credit. It came back at around a 675 credit score.

I have been reading other posts on the forum, and many people say to get a secure card through my bank. I am trying to get away from my current bank, so I would like to keep that as a last resort.

Any suggestions on which cards/companies to try? I have USAA and they have a student credit card as well. I just don't want to apply for any more cards I will get declined for.

Thanks in advance.


MemberSince99
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Postby MemberSince99 » Tue Aug 13, 2013 12:17 pm

Discover Student IT card.

Card through a credit union.

Amazon store card (NOT the Chase Visa there is a difference) and/or Walmart credit card

BofA secured 99/500 card which graduates after a year.

Look into those first.

amyj
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Postby amyj » Mon Sep 16, 2013 12:53 am

With a decent credit score, you can apply for a range of cards. The interest you pay will vary from card to card and that should be one of the big things you consider when making your final choice.

takeshi
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Postby takeshi » Mon Sep 16, 2013 12:50 pm

justin wrote:I have been reading other posts on the forum, and many people say to get a secure card through my bank. I am trying to get away from my current bank, so I would like to keep that as a last resort.

Then get a secured card from a different issuer.

justin wrote:I have USAA and they have a student credit card as well.

USAA also offers secured cards. I'd suggest trying their secured product.



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