re: Son got denied for a credit card

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I think it's more difficult now to obtain a credit card for youngsters.

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I'm in my mid 30s, and I remember my freshman year of college, banks were on campus giving credit cards away like candy. They hired cute girls to get the apps, you would get a free shirt or something, and I think they paid the cute girls for each app they got.

I've heard that new regulations have cut down a lot on that more recently, and it's much harder to get a student card.

To the OP, tell your son to call the credit issurer directly and see if he can get an exact reason for denial. Tell him to push the issue a bit.

Also, if this is truly about building good credit for him, tell him to apply for a walmart card. Store cards tend to be easier to get, especially for people without much credit history. He can go buy some stuff there a couple of times a month and pay it off each month.

If he has one good trade line from being an authorized user, and he has one good installment line for himself, and he adds a store card, his credit history will start to grow. At that point the only issue would be debt to income.