- Centurion Member
- Posts: 1075
- Joined: Thu Aug 04, 2011 7:07 pm
- Location: Phoenix
Welcome to the forum. Are you by any chance a hairdresser? Anyway...if you have never had a credit card, you might have to start small before going for the big league's like Chase Freedom.
Firstly, which bank do you bank (checking/savings) with? If you bank with Chase, I would suggest stepping into a branch and speaking with a Personal Banker to see if they would be able to help you get approved for the card. I would not suggest this route if you are with any of the other boring Denver banks (US Bank, Wells Fargo, Key, Bank of The West) as their cards are pretty blah and they are also hard to get right off the bat.
Money card offered some suggestions from Citizens, M&T and TD Bank: these are not Colorado area banks and will likley not approve a Colorado resident for one of their cards.
Like Money card, I would suggest a Capital One Platinum card. You will probably have an annual fee, a high APR and a low credit line, but Capital One is a good stepping stone towards better cards. After 6 months to a year with Capital One, you will likely be approved for better cards from Chase, Citibank, Bank of America, Discover and Amex. Don't invest too much time and effort into the Capital One card; Capital One has a sell-by date. They are good to start out with but you will be disappointed if you expect the card to grow (upgrades, credit line increases, APR reductions). Keep your balance low (less than 20% of the credit line) and always pay on time and you will see your FICO score increase and you will not have any trouble being approved for better cards.