r3mix3r

I got turned down for not having enough credit...Im 18 years old and have been using a checking card for over a year. Is there any credit cards that will accept me? I applied for a studen credit card so i don't understand why they denied me. How would I have credit without a credit card to begin with? I mean I have like an Express Card and an Abercrombie Card and those are like credit cards kinda.

Scrib

What card was it???

The larger banks will more than likely say no, as they don't want to assume the risk.

Are you in college? There are always offers for college students on campus.

CLpower

Go to your bank and get a card from them the first time. Build off of that.

Scrib

BTW... Your avatar needs to be changed.

CLpower

yes, unfortunately it does

r3mix3r

What's wrong with my avatar? I keep getting compliments in my PM's ;-)

Scrib

It doesn't conform to the rules we have set here for avatars.

No NWS avatars. Sorry.

r3mix3r

Errr i finially find a good one!!! How is it not work safe I'm at work right now...I thought NWS was titties or ass?

fuzzy02CLS

iTrader: (2)

Welcome to the credit world. Amazing how you can't get a card, but someone who's been in the country for 6 months, or soemone who has no job but 50K in other credit debt can

The system is so unfair

Try a few more store cards, Sears, Jcpenny etc, gas card, If you have someone who can co sign that would be great. American express might take you. You have to pay the balance off each month though.

soopa

try capital one or providian.....

and yeh its bullshit. thats how it werks unfortunately

Scrib

Nudity is not the only form of NWS. Your avatar is not decent for a public forum. If someone's boss saw that at work, I'm sure he/she might very well get in trouble.

Sorry man... It needs to be changed.

soopa

that is titties and ass...... just thinly veiled. LOL

Rock2534

1. what does NWS stand for?
2. r0dxx-that is the best avatar i have ever seen
3. Try having your parents co-sign for you on the credit card and then use if to buy stuff instead of cash and make sure you pay it off on time. after a year you should be able to get your own. Or, some companies will allow you to put down a security deposit, like $500 bucks, and that will be your limit, so they can't lose that way, I know that sucks that you have to front that cash, but you have to start somewhere. Believe me, 5 years from now you will be happy you did what ever you had to in order to build that credit status. if not, you will be stuck.

soopa

NWS == Not Work Safe

soopa

Not
Work
Safe

soopa

NWS
ooa
trf
ke

Rock2534

thanks, makes sense, i would not want someone seeing that here either.

Gixxster

I found myself hypnotized for like 5 minutes before someone walked by and broke my concentration.

Rock2534

I like the werd sign, but damn, why i gotta be stupid?

Bulldog01

I like the avatar, too, but, yeah...not good for work.

Chaptorial

Anyone have a link to his old avatar?

kensteele

They did you a favor...trust me.

TypeSAddict

Chopsie

No matter how much self control you "think" you may have, get that plastic in your hands and go . I didn't get my first credit card until last year when I was 21. I my first two car loans build my credit.

nas786

everytime you apply for a credit card and get turned down, it takes points off ur credit....so don't randomly apply everywhere, and shit like capital one or something, will probably not take you, because they require that you show good credit already

98CLChick

I think I applied for like 8 different cards before I finally got one (MBNA). And it had an $800 limit.

NiteQwill

try a gas card first. you will more than likely get that. then try something like citibank, they have good student cards.

2001CL

you got a pm

wakeboardfusion

we need a link to your old avatar

r3mix3r

Thanks I just applied to the mbna baseball team card. Looked to be the best one and 2001CL recommended it and said they also accepted him.

r3mix3r

This one had the best APR on the site so i applied to it hopefully they'll take me ;-)

https://wwwn.applyonlinenow.com/USap..._MC=A000001F2I

NiteQwill

Did you get accepted?

r3mix3r

They said they will mail me within 30 days?

fuzzy02CLS

iTrader: (2)

99% of the time, if you didn't get a response right a way, you did not get accepted. Credit card co's want you to use there cards ASAP. so if they are mailing you something in 30 days, dought you were accepted. But you never know.

r3mix3r

Just got the MBNA card in the mail yesterday. Called the # to activate it. 500.00 credit limit. Thanks for the info everyone :-)

Gixxster

good card to get. Don't raise your limit till after you get a full time job. This will help keep you out of trouble.

anothercls

Call them monthly and ask for a lower interest rate...they will usually do this w/o a problem.

ju5tchi11in

my first card I got at 18 with a 7000 limit... I wonder why but I still have it today and now the limit is 8000 and there is 7000 on the card... don't get urself into trouble by the way it us a chase i-card. platinum. now i also have a 2000 citi platinum. try those places.

also if ur express card and abercrummy card have balances that might be why u are denied since ur debt to income ratio is to high. to much debt not enough income.

ju5tchi11in

oops didnt read this one... I did they said they didn't have any specials going... at the moment... I'll call again this month.

95gt

Have your rents cosign one with you. That's how i got my first one. My dad called up his card company and asked to have one opened. They just link them so if any issues happen your rents get screwed. But great way to get in the game. Then after awhile of paying it off every month you can get the link cut and be on your own.