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re: Question about co-signing on a credit card
Posted on 2/21/12 at 11:21 am to HamBone14
Posted on 2/21/12 at 11:21 am to HamBone14
This is what i did:
Found a good low limit credit card for those with limited or no credit history (I went Capital one).
After 4-5 months, went to my bank where i hold my checkings/savings (BAC, Citi, etc) and asked IN PERSON for a credit card application and talked to a representative. I was approved for a 2k limit.
In addition my cap one limit has gone up as well since i've paid off my balance on time.
I can't stress enough how important it is to actually talk to someone when you're applying for a credit card instead of doing it online.
Found a good low limit credit card for those with limited or no credit history (I went Capital one).
After 4-5 months, went to my bank where i hold my checkings/savings (BAC, Citi, etc) and asked IN PERSON for a credit card application and talked to a representative. I was approved for a 2k limit.
In addition my cap one limit has gone up as well since i've paid off my balance on time.
I can't stress enough how important it is to actually talk to someone when you're applying for a credit card instead of doing it online.
2
Posted on 2/21/12 at 11:26 am to GregYoureMyBoyBlue
That's what sucks. I did apply in person so I kind of got screwed.
Posted on 2/21/12 at 12:02 pm to GregYoureMyBoyBlue
quote:
I can't stress enough how important it is to actually talk to someone when you're applying for a credit card instead of doing it online.
Definitely for your first one, after that, doesn't really matter.
My first CC was offered by my bank as "overdraft protection" for a checking account. This was during early college days, so admittedly it served its purpose a couple times. It was cheaper than a $35 overdraft fee though.
Maybe your bank has something similar? Do you have other types of credit? Not sure how you can have a 700 score and get shut down for an entry CC.
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