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Irony 07/01/20 3:10:21 PM #1: |
I want to start building credit. I have no score
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Irony 07/01/20 3:22:57 PM #2: |
Bump
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FunnyPies 07/01/20 3:23:11 PM #3: |
Discover
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dj1200 07/01/20 3:23:32 PM #4: |
any secured card i would think. how old are you?
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Irony 07/01/20 3:23:36 PM #5: |
Discover is still around?
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GoodOlJr 07/01/20 3:23:39 PM #6: |
Either the lowest interest rate you can get
Or one at your favourite grocery store to build points fast? --- http://farm4.staticflickr.com/3475/3291766630_b434e97925.jpg 3DS: 1005-8921-6109 ... Copied to Clipboard!
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Irony 07/01/20 3:23:57 PM #7: |
dj1200 posted...
any secured card i would think. how old are you?30 --- I am Mogar, God of Irony and The Devourer of Topics. ... Copied to Clipboard!
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Poop2 07/01/20 3:23:57 PM #8: |
no such thing
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Starks 07/01/20 3:24:42 PM #9: |
Discover it and Chase Freedom
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SomeGuyUO 07/01/20 3:25:49 PM #10: |
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BudDupree48 07/01/20 3:29:15 PM #11: |
discover or capital one
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Damn_Underscore 07/01/20 3:29:57 PM #12: |
Get a student card if you can. Those are the easiest to get.
And then specifically look for the Chase Freedom Student or the Discover It Student --- Shenmue II = best game of all time Shenmue = 2nd best game of all time ... Copied to Clipboard!
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Irony 07/01/20 3:29:58 PM #13: |
SomeGuyUO posted...
You'll probably get approved for this oneThat looks good, wish the limit was higher but nothing I can do about that. --- I am Mogar, God of Irony and The Devourer of Topics. ... Copied to Clipboard!
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BroodRyu 07/01/20 3:30:48 PM #14: |
Student cards are good. Otherwise I think your local banks card is a good starting point to built credit.
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Feline_Heart 07/01/20 3:31:01 PM #15: |
I heard that the GameStop credit card is pretty good
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Irony 07/01/20 3:31:02 PM #16: |
Damn_Underscore posted...
Get a student card if you can. Those are the easiest to get.I looked that up and it says you need at least 680 to even be considered --- I am Mogar, God of Irony and The Devourer of Topics. ... Copied to Clipboard!
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Irony 07/01/20 3:31:55 PM #17: |
BroodRyu posted...
Student cards are good. Otherwise I think your local banks card is a good starting point to built credit.I tried looking my credit unions up, but can't get info on credit score requirements --- I am Mogar, God of Irony and The Devourer of Topics. ... Copied to Clipboard!
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BroodRyu 07/01/20 3:32:40 PM #18: |
My bank didnt have a score requirement. I think its because they understand people getting bank cards are likely starting out.
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MabusIncarnate 07/01/20 3:34:06 PM #19: |
Capital One is probably the easiest one to get with no credit, or even not so great credit. They will likely start you with a $500 limit, try to keep your total balance under $200, or even a bit less. Use it just for small things like gas, or $20 here and there, and pay it off monthly with a bit more than minimum due. If you need to pay $25 by August 1st, pay $35 by July 25th. Just a bit more, and early. It will slowly help build your credit.
I helped my 18 year old nephew through this recently, no credit whatsoever, and he's in the low 700's already and got his limit increased and can get a 2nd card if needed. --- Ten million dollars on a losing campaign, Twenty million starving and writhing in pain. =~=; Vicious_Dios Original - https://tinyurl.com/y9fpdoll ... Copied to Clipboard!
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Questionmarktarius 07/01/20 3:35:51 PM #20: |
BroodRyu posted...
My bank didnt have a score requirement. I think its because they understand people getting bank cards are likely starting out.I got denied a bank card, but probably because I requested an absurdly low credit limit. ... Copied to Clipboard!
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Damn_Underscore 07/01/20 3:36:31 PM #21: |
Irony posted...
I looked that up and it says you need at least 680 to even be considered Just apply. I had no credit score when I got the Discover It Student But if you really have trouble you may have to get a secured credit card --- Shenmue II = best game of all time Shenmue = 2nd best game of all time ... Copied to Clipboard!
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BroodRyu 07/01/20 3:37:24 PM #22: |
Wow thats surprising. I always thought most local banks were happy to help get people started with credit cards.
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Questionmarktarius 07/01/20 3:38:12 PM #23: |
BroodRyu posted...
I always thought most local banks were happy to help get people started with credit cards.Banks are much more picky than the shady shit that pops up in your mailbox for no reason. ... Copied to Clipboard!
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Smashingpmkns 07/01/20 3:39:28 PM #24: |
Capital One Platinum is a good start. Use it like you would your debit card but don't spend past your means, pay off the previous month's balance entirely every pay period. Never carry over a past due balance or pay interest.
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BroodRyu 07/01/20 3:43:20 PM #25: |
Questionmarktarius posted...
Banks are much more picky than the shady shit that pops up in your mailbox for no reason.Its surprising to me because my experience at the bank went so well. ... Copied to Clipboard!
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SomeGuyUO 07/01/20 3:46:44 PM #26: |
Just get the capital one. Put a monthly recurring expense on it (Netflix, Prime, Spotify, etc). Link to your bank account. Set automatic monthly payment of statement balance. Good to go.
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MC_BatCommander 07/01/20 3:47:17 PM #27: |
Typically your bank offers a no-fee CC, that's how I started.
I'd recommend Discover It - that's the one I'm using now. No fees and 100% point match after your first year. My first year is almost done so I might consider getting a card with more rewards, not sure what I wanna do yet. --- The Legend is True! ... Copied to Clipboard!
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BudDupree48 07/01/20 3:48:35 PM #28: |
SomeGuyUO posted...
Just get the capital one. Put a monthly recurring expense on it (Netflix, Prime, Spotify, etc). Link to your bank account. Set automatic monthly payment of statement balance. Good to go. Didn't know you could set something like that. I've used my credit card and payed it off full every month then I stopped using it for a while till I decided to get a different one --- BANG BANG STEELER GANG ... Copied to Clipboard!
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Solid Snake07 07/01/20 3:51:38 PM #29: |
Anything that doesn't charge you a fee. If you have no credit history you might have to get one of those cards where you give them a certain amount of money upfront to set your credit limit as collateral to show you can reliably make payments
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SomeGuyUO 07/01/20 3:52:36 PM #30: |
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MC_BatCommander 07/01/20 4:00:24 PM #31: |
Does anyone know any good resources for finding a card based on my monthly spending? My wife and I usually put ~$2,500 on our card every month
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Unsugarized_Foo 07/01/20 4:04:49 PM #32: |
Nerd wallet is a good resource.
I personally try to avoid recommending credit cards and advise people to hit up a credit union. My debit card has rewards that rival most credit cards, and my credit score hasn't been an issue. This is assuming you have a good employment and income record --- "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana ... Copied to Clipboard!
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