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First credit card for college student, no credit history
Posted on 3/10/15 at 7:46 am
Posted on 3/10/15 at 7:46 am
Any suggestions on a decent card to apply for? Trying to locate something without parental cosign (student is 21 yrs old).
Actually there is a 2 1/2 year credit history for a student loan. Payment deferred.
Actually there is a 2 1/2 year credit history for a student loan. Payment deferred.
This post was edited on 3/10/15 at 8:18 am
Posted on 3/10/15 at 8:24 am to The Mick
You should start paying something small (15-20$) to that student loan every month. I promise you, you will thank me for this advice later.
If you qualify, the Discover card was a great one for me and I'd recommend it.
If you don't think you'll qualify, look into getting a USAA membership. They have a guaranteed approval rewards card. That is what I started on with a 300$ limit and worked my way up
If you qualify, the Discover card was a great one for me and I'd recommend it.
If you don't think you'll qualify, look into getting a USAA membership. They have a guaranteed approval rewards card. That is what I started on with a 300$ limit and worked my way up
Posted on 3/10/15 at 9:06 am to The Mick
I opened a Discover card when I was young. Still have it. Nothing special, but relatively decent rewards and a ton of +5% reward websites that I often frequent.
Posted on 3/10/15 at 9:06 am to The Mick
Are the student loans in his name or the parents name? That is one thing my parents did right, everything was in my name so I got the full benefits of the credit score.
As far as credit cards, are you local in BR? If so, Campus Federal has a good beginner credit card.
As far as credit cards, are you local in BR? If so, Campus Federal has a good beginner credit card.
Posted on 3/10/15 at 9:12 am to The Mick
If you are worried about getting declined for a normal card then look into a cash secured card to build credit first.
Posted on 3/10/15 at 9:34 am to The Mick
Get something through his bank with no annual fee to start his credit history.
Once he familiarizes himself with the card and shows restraint, move onto a good rewards card that makes sense for his spending.
Once he familiarizes himself with the card and shows restraint, move onto a good rewards card that makes sense for his spending.
Posted on 3/10/15 at 4:34 pm to The Mick
The Discover student card was a great starter CC
Posted on 3/10/15 at 11:25 pm to The Mick
I'm using the capital one platinum secured card. Reports on the 6th of each month to all credit bureaus and I've raised my score 120 points in a little over a year.
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