I'm just out of college and want to get a credit card to start establishing myself some credit. Only problem is I haven't gotten any I applied for (which is only 2 because I don't want to kill my credit score). I need to get some revolving credit in order to get a card. What are some things that I can do to help? Would getting a gas card for now, help in getting a card?

This post was edited on 12/13/12 at 10:51 am

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Posted by Wideman

Arlington, Virginia

Member since Jul 2005

11721 posts

Posted on 12/13/12 at 10:49 am to sportsguy88

i know.

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Posted by gatorsimz

cafe risque

Member since Feb 2009

8135 posts

Posted on 12/13/12 at 11:02 am to sportsguy88

Try the Discover More card. It was my first CC and I had very little credit history. Also, my gf got approved for a small credit limit with no history. 0% intro APR and rotating 5% cash back.

ETA: Actually, if you like that card I can get $50 cash back for referring a friend and you'll get $50 cash back with your first purchase.

This post was edited on 12/13/12 at 11:14 am

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Posted by Cajun Revolution

Member since Apr 2009

44671 posts

Posted on 12/13/12 at 11:06 am to sportsguy88

Back when I was in college, MBNA used to just hand them out with a $500 limit. I still have the card and its my go to other than American Express now. Limit has grown quite a bit on it but the best part...

Less than 10% interest

This post was edited on 12/13/12 at 11:07 am

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Posted by BACONisMEATcandy

Member since Dec 2007

46643 posts

Posted on 12/13/12 at 12:11 pm to sportsguy88

Discover and Capital One both Advertise cards for those who are trying to build up their credit

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Posted by foshizzle

Washington DC metro

Member since Mar 2008

40599 posts

Posted on 12/13/12 at 1:17 pm to sportsguy88

You can apply for quite a few in a short period without it impacting your credit, the score assumes you're shopping around and doesn't penalize you. If you want to apply on websites for a half-dozen or so, go right ahead.

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Posted by rollindaddy

Member since Jun 2010

1725 posts

Posted on 12/14/12 at 5:30 am to Cajun Revolution

MBNA

Wow the good ole days!
Use to hate goin to the mailbox on campus to see that jewel in the mail every month. Ha , and it was like you said 500.00 limit that i was payong on.

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Posted by Cajun Revolution

Member since Apr 2009

44671 posts

Posted on 12/14/12 at 10:50 pm to rollindaddy

quote:
MBNA

Wow the good ole days! Use to hate goin to the mailbox on campus to see that jewel in the mail every month. Ha , and it was like you said 500.00 limit that i was payong on.

I've used that card so much. My first credit card. The worst credit card ever.

Then Bank of America bought them and it got 100x's better. There are no benefits to the card though

literally no rewards. Low interest rate now. Went from 23.9 to 9.9 but there is worse out there.

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Posted by BACONisMEATcandy

Member since Dec 2007

46643 posts

Posted on 12/15/12 at 7:58 pm to Cajun Revolution