Did you apply for it yourself (without a co-applicant), and where did you get it?
I applied for 4 more cards from credit unions today but they will probably all deny me :(
Do you have shitty credit or something? They usually practically beg people to sign for credit cards
I got a student credit card or something from Wells Fargo
i just signed up and they gave it to me
I have a student card myself with US Bank that I've had for about a year. I also have a regular card that is joint between my mom and myself with M&I.
A lot of the time a bank is more likely to approve you if you have checking and/or savings with them already. That might be the only reason why US Bank approved me.
Think of reasons why you might have a bad credit score. Your eviction wasn't an actual eviction, correct? Remember that utilities affect your score as well, so if you owe CenterPoint, Xcel, Comcast, AT&T, ect, that might be why.
lol credit cards
Quote from: applesauce on April 13, 2011, 03:09:23 PM
I have a student card myself with US Bank that I've had for about a year. I also have a regular card that is joint between my mom and myself with M&I.
A lot of the time a bank is more likely to approve you if you have checking and/or savings with them already. That might be the only reason why US Bank approved me.
Think of reasons why you might have a bad credit score. Your eviction wasn't an actual eviction, correct? Remember that utilities affect your score as well, so if you owe CenterPoint, Xcel, Comcast, AT&T, ect, that might be why.
Yeah, I shouldn't have anything on my credit score besides rent payments (if that's reported), the problem is usually that I don't have a credit score or I don't have an 'actual' job
Well I mostly only use my bank debit card.
But I DO have a credit card from Barclay that I used for one purpose only: buying my Macbook. I'm almost done paying it off, actually. I fully intend to cancel it afterward.
Quote from: Kid on April 13, 2011, 04:33:16 PM
Well I mostly only use my bank debit card.
But I DO have a credit card from Barclay that I used for one purpose only: buying my Macbook. I'm almost done paying it off, actually. I fully intend to cancel it afterward.
How do you get the monies?!
I'm only half way finished paying off mine, and it has almost been a year. myface;
Yes.
Discover without any cosigner and credit history. $500 limit to start, got bumped to $750.
Capital One recently, no cosigner $300 limit.
Quote from: Khadafi on April 13, 2011, 06:58:20 PM
Yes.
Discover without any cosigner and credit history. $500 limit to start, got bumped to $750.
Capital One recently, no cosigner $300 limit.
I was just instantly approved for a Capital One card with a $500 limit for new citizens, FUCK YEA NOW I CAN BUY SOME CRACK
Quote from: Kid on April 13, 2011, 04:33:16 PM
Well I mostly only use my bank debit card.
But I DO have a credit card from Barclay that I used for one purpose only: buying my Macbook. I'm almost done paying it off, actually. I fully intend to cancel it afterward.
Why wouldn't you keep the card open and keep a low to no balance (use the credit card to buy stuff and just pay from your back account each month)?
Having an account open for a long time with a low balance improves your credit and would give you better rates should you ever need to mortgage a house or finance a car.
did you mention you are wziard, and that their alchemy is all fucked up?
I have a Discover card in my name. As with JMV, started out with $500 limit, but jumped to $750. I use it on random occasions and to pay for part of my tuition. I basically just use my debit card as credit though.
Quote from: RanchNinja on April 14, 2011, 06:32:35 AM
I have a Discover card in my name. As with JMV, started out with $500 limit, but jumped to $750. I use it on random occasions and to pay for part of my tuition. I basically just use my debit card as credit though.
They've been good with me too. giggle;
They waived a late payment fee for me when my car broke down and I was stranded at the mall. I then realized I had a payment due that day and couldn't get online to have the payment post the same day. They took my payment over the phone and noted not to charge me.
I've never had an issue with the card not being accepted.
im 2 skared to sign up for a credit card
Quote from: Kefka on April 14, 2011, 08:51:09 AM
im 2 skared to sign up for a credit card
tips4credit karzdz
Don't get anything with an annual fee.
Get something with kewl cash back
Get something with a 0% apr lol
Quote from: Khadafi on April 13, 2011, 08:41:10 PM
Why wouldn't you keep the card open and keep a low to no balance (use the credit card to buy stuff and just pay from your back account each month)?
Having an account open for a long time with a low balance improves your credit and would give you better rates should you ever need to mortgage a house or finance a car.
to avoid temptation smithicide;
i know what you mean though. i dunno, we'll see.
I don't think I've ever been tempted to use my credit card for anything I can't easily afford confuseddood;
i applied for a mastercard last week
got rejected 5thgrade;
i think i may just get one of those rechargeable prepaid cards
[spoiler]dat $7.50 monthly fee psyduck;[/spoiler]
JMV is it a bad idea to have multiple credit cards and incur debt on one, pay it off with another card, then pay that off with the next card? Assuming the timing worked so there were no fees, and I could actually pay it off. Would this jumpstart my credits or have any affect on it?
Also is there any way I can get a galactic credits card?
Quote from: wziard on April 14, 2011, 04:22:49 PM
JMV is it a bad idea to have multiple credit cards and incur debt on one, pay it off with another card, then pay that off with the next card? Assuming the timing worked so there were no fees, and I could actually pay it off. Would this jumpstart my credits or have any affect on it?
I'm pretty sure that's how most people accrue massive credit card debt. As long as you pay it all off you should be fine, but once you don't you're going to get screwed
paying credit card bills with credit cards is exactly what credit card owners wnat you to do so they can smack you down with horrid intrest rates.
I took out a capital one card to help pay for my smac book and I have one through us bank, but those are paid off already.
I use the us bank card primarily for gas and I just pay it off right away.
Quote from: wziard on April 14, 2011, 04:22:49 PM
JMV is it a bad idea to have multiple credit cards and incur debt on one, pay it off with another card, then pay that off with the next card? Assuming the timing worked so there were no fees, and I could actually pay it off. Would this jumpstart my credits or have any affect on it?
Also is there any way I can get a galactic credits card?
I don't think most cards let you pay with another card unless you do a balance transfer which usually has a higher APR.
It also wouldn't really improve your credit much since your total debt to available credit ratio is pretty much the same and you're only moving it around.