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Question about applying for a credit card
Posted on 8/26/14 at 7:13 pm
Posted on 8/26/14 at 7:13 pm
So here's my situation...I'm in my 1st year of residency, so not exactly raking it in - my salary is $48,500. I've never had a credit card before, just always used my debit card. I also am not paying on any loans or anything.
My trans union score is only 671. I have no negative marks on my credit history, just no real history to speak of. I want to get a card to help build some credit, however I'm antsy about getting turned down and it hurting my credit further.
Do the money experts think that my salary and credit score are sufficient to get approved for like one of the basic capital one cards (that is where i have my checking acct).
I greatly appreciate any advice
My trans union score is only 671. I have no negative marks on my credit history, just no real history to speak of. I want to get a card to help build some credit, however I'm antsy about getting turned down and it hurting my credit further.
Do the money experts think that my salary and credit score are sufficient to get approved for like one of the basic capital one cards (that is where i have my checking acct).
I greatly appreciate any advice
5
Posted on 8/26/14 at 7:24 pm to GEAUXT
You'll be approved. I promise.
Posted on 8/26/14 at 7:44 pm to GEAUXT
Apply for the Discover IT or BarclayCard. You will be approved and they're both decent rewards cards.
Posted on 8/26/14 at 8:21 pm to JonTheTigerFan
quote:
Discover IT
this was another I had been looking at. Just pulled the trigger and was approved
thanks fellas
Posted on 8/26/14 at 9:07 pm to GEAUXT
Gratz. Now go get a Chase Freedom card. Start learning the points/rewards game.
Posted on 8/26/14 at 9:39 pm to GEAUXT
quote:
Question about applying for a credit card
So here's my situation...I'm in my 1st year of residency, so not exactly raking it in - my salary is $48,500. I've never had a credit card before, just always used my debit card. I also am not paying on any loans or anything.
My trans union score is only 671. I have no negative marks on my credit history, just no real history to speak of. I want to get a card to help build some credit, however I'm antsy about getting turned down and it hurting my credit further.
Do the money experts think that my salary and credit score are sufficient to get approved for like one of the basic capital one cards (that is where i have my checking acct).
I greatly appreciate any advice
they approve credit cards for dogs you should be good.
Posted on 8/26/14 at 10:12 pm to VABuckeye
I would hold off on pulling the trigger on another card while it's that low. Put a decent amount on the card each month and pay it off. You'll be above 720 within a year
Posted on 8/27/14 at 8:26 am to GEAUXT
Chase Sapphire now
Am ex platinum when finishing up residency
Am ex platinum when finishing up residency
Posted on 8/27/14 at 9:36 am to GEAUXT
You'll be good.
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