Can't build up my credit

For just about anything you want to get off your chest about credit cards.
13 posts
Centurion Member
Centurion Member
Posts: 508
Joined: Tue Aug 13, 2013 10:04 pm
Location: ca

Postby whit » Wed Sep 04, 2013 9:01 pm

I understand where you're coming from, I did state in my opinion

I realize that's not fact

I just think that it should be last resort; because everyone has to start somewhere and if you honestly tell me that majority of people get their credit going with a secured cc and show the statistics then I'll refrain from giving that opinion in the future

Eta*** I realize that may sound blunt and harsh over internet, so for that I'm sorry

I've just seen students who get rejected by everyone including capital one student card because of lack of credit history but by applying for a regular cc, no points or rewards, get approved for 500 CL

I've also seen freedom cards start as low as 300-500 CL, same as secured.

I realize for some it's the only way but I think majority (those who have no credit) can start without a secured cc. Back when I was a student my first cc was with and still is Citibank

Centurion Member
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Posts: 111
Joined: Mon Jun 10, 2013 8:23 pm
Location: Arizona

Postby Kripler68 » Thu Sep 05, 2013 10:36 pm

My wife moved to the US in 2006, she opened a Bank of America checking and savings accounts in December 2006.
She saved up about 6500 dollars in her savings account and they offered her a credit card with a 3000 dollar limit in January 2008.

This was her first credit card,not secured either. They told her they were impressed by the money she had saved and decided to take a chance.They contacted her about the offer.

That limit has since grown to 9000.

I hope this helps, good luck to you.

Green Member
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Posts: 14
Joined: Tue Aug 20, 2013 8:03 pm
Location: United States

Postby thecentury303 » Sat Sep 07, 2013 11:58 pm

Secure CC should help you building your credit history.

You should be able to apply for a card in 6 months.
My family:
Capital One Cash Rewards for New Comer: $1500 (09/12)
Local Credit Union: $1,500 (10/12), Chase Freedom: $1,500 (04/13), Discover IT: $1,800 (04/13)
AMEX Gold Charge Card: NPSL (06/13), AMEX BCE: $6,000 (06/13)
Chase United Explorer: $6,000 (10/13), Chase Ink Cash: $3,000 (10/13), Barclays Arrival Platinum: $3,000 (10/13)

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