New to credit card stuff. Help needed

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fearlessdragon
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Joined: Mon Feb 04, 2013 11:39 pm
Location: San Antonio

New to credit card stuff. Help needed

Postby fearlessdragon » Mon Feb 11, 2013 4:44 pm

Hi.. I am very new to Credit card stuff. I am not a citizen. came to USA as a student and graduated recently.

I applied for BOA CC and Discover when i was a student and got declined. I got a job now and I applied again in Jan 1st week for Discover IT and BOA. Discover IT got approved for $750 and BOA is a partial secured card. $100 deposit for $500 CL. in mid January I applied for DCU VISA platinum and got approved for $3000 CL. I was browsing about Credit cards and found this forum and this is awesome.. I immediately joined Credit Karma to see my score. Its shows as 728 but only BOA is listed there. Other two CCs are not in CK.

My Experian score shows as Zero in Credit sesame and my equifax score is zero too(From free Equifax score service from DCU). I need a good grocery and gas card. Shortlisted Sallymae student card and Penfed. Can i apply for these two now? what are my chances for these? Any other Credit card suggestions. I went to chase bank and talked to the banker there. He advised me to apply after 6 months.
Bank of America 123 Secured card - $500. - $39 AF - 01/13
Discover IT -$750 - 01/13
DCU Platinum Visa-No rewards -$3000 -01/13
CapOne Cash Rewards for
Newcomers -$500 -03/13

No scores in EQ and EX because of Thin file
CK score is 698 as of 04/22/2013


fearlessdragon
Green Member
Green Member
 
Posts: 12
Joined: Mon Feb 04, 2013 11:39 pm
Location: San Antonio

Postby fearlessdragon » Fri Feb 15, 2013 6:45 pm

Hi. Please advise me..
Bank of America 123 Secured card - $500. - $39 AF - 01/13

Discover IT -$750 - 01/13

DCU Platinum Visa-No rewards -$3000 -01/13

CapOne Cash Rewards for

Newcomers -$500 -03/13



No scores in EQ and EX because of Thin file

CK score is 698 as of 04/22/2013

Money card
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Posts: 1361
Joined: Tue Jun 28, 2011 10:13 pm
Location: New York state

Postby Money card » Sat Feb 16, 2013 10:01 pm

what I would do if I were you continue to use all 3 cards pay your bills in full, establish credit. maybe in a few months take a ride down
to Bank of America and see if they would give you an unsecured credit card. if they do I would then use your Bank Of America card
continueto use it pay your bills in full, Then check your scores again if they go up to let's say around 750 on all of your reports
Then you should apply for the card you want.
as dumb as chase is I agree with this banker 6 months sounds about right.

is there a local bank where you live not chase or Bank of America, But a local bank maybe you don't have a checking account but a bank that issues credit cards, you could try and apply , as an example the Bank of San Antonio.
or you can ask your Dad to take a ride down to the bank that you want to do business have him talk to an branch mgr , see if he can co sign you for a prime credit card.

fearlessdragon
Green Member
Green Member
 
Posts: 12
Joined: Mon Feb 04, 2013 11:39 pm
Location: San Antonio

Postby fearlessdragon » Sat Feb 16, 2013 10:59 pm

Thanks for your advice.. I am an immigrant. My family is in my country. So I cant get a co-signer.. After seeing this forum, I realized that I can save money using credit card too.. I am looking to get a mortgage. May be a car loan after few months..
Bank of America 123 Secured card - $500. - $39 AF - 01/13

Discover IT -$750 - 01/13

DCU Platinum Visa-No rewards -$3000 -01/13

CapOne Cash Rewards for

Newcomers -$500 -03/13



No scores in EQ and EX because of Thin file

CK score is 698 as of 04/22/2013

Robrus1
Centurion Member
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Posts: 797
Joined: Tue Oct 02, 2012 3:25 pm
Location: Texas

Postby Robrus1 » Sun Feb 17, 2013 1:39 pm

I would not apply for anything else until you have 6 months (preferably 9-12) of good payment history. You do not have good chances of getting Penfed or other prime cards with such a limited credit history. You'll need to do that and check your scores to make sure all 3 bureaus are being reported to, which may take another 30 days or so.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

fearlessdragon
Green Member
Green Member
 
Posts: 12
Joined: Mon Feb 04, 2013 11:39 pm
Location: San Antonio

Postby fearlessdragon » Mon Feb 18, 2013 12:23 am

Thanks for your advice. What about SalliMae card which gives 5% on gas and Groceries.. Can I apply for that now or wait for 6 months..
Bank of America 123 Secured card - $500. - $39 AF - 01/13

Discover IT -$750 - 01/13

DCU Platinum Visa-No rewards -$3000 -01/13

CapOne Cash Rewards for

Newcomers -$500 -03/13



No scores in EQ and EX because of Thin file

CK score is 698 as of 04/22/2013



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