What's a good FIRST credit card that's not a student card

ocnscuba · 08-20-2007, 10:23 AM

So far I've been rejected about 4 times, and the student ones are a pain in the ass because they want me to mail all these documents to them (proof that I'm a student there) and I'm just not going to do that. What's a credit card that will definately accept someone with no credit history? I really don't care what kind it is anymore, even if it has 500% interest rates I simply don't care

ocnscuba · 08-20-2007, 10:29 AM

Also...if I apply for a business credit card will they look at my personal credit history or no? reps for good advice

maxiderm · 08-20-2007, 10:38 AM

i have a student account and they didnt make me send in anything exept an application.

1st Financial Bank USA

give em a try, its not too bad of a program.

appleman44 · 08-20-2007, 10:50 AM

Go to what ever bank you have your savings / checking account in, tell them you want a student credit card and bring your acceptance letter with you.

They look at the acceptance letter and say, okay you'll have your card in 1-2 weeks.

I don't know why you'd want to mail off to things when its faster and easier to just go to the bank.

ocnscuba · 08-20-2007, 11:32 AM

Quote:

Originally Posted by appleman44

Go to what ever bank you have your savings / checking account in, tell them you want a student credit card and bring your acceptance letter with you.

They look at the acceptance letter and say, okay you'll have your card in 1-2 weeks.

I don't know why you'd want to mail off to things when its faster and easier to just go to the bank.

I dont even have an acceptance letter or a student ID or any of that

Can I just go to my bank, show them how much I ****ing have in my bank account so they know I'm not fooling around and just give me at least a good card that doesnt have some $150 monthly limit or something like that?

jayknow05 · 08-20-2007, 11:33 AM

Quote:

Originally Posted by ocnscuba

I dont even have an acceptance letter or a student ID or any of that

Can I just go to my bank, show them how much I ****ing have in my bank account so they know I'm not fooling around and just give me at least a good card that doesnt have some $150 monthly limit or something like that?

No

ocnscuba · 08-20-2007, 11:34 AM

There has to be cards for people that arent students....

Darkwatcher758 · 08-20-2007, 11:40 AM

Quote:

Originally Posted by ocnscuba

There has to be cards for people that arent students....

you don't have to be a student to get a student card, just bs the school you go to but like a community college. You showing them money has nothing to do with them approving you, they look at your assets like anything else in a process they go through..

BTW, I hope you're not taking more then 15 days to apply and get denied for all these cards. Everytime you do that you're dropping your creditscore since its being checked again and again. if you check it for the same thing within 15 days then its ok but past that you're dropping it lower and lower.

BBmisc420196 · 08-20-2007, 11:42 AM

Get a secured(i think is name) credit card. It is basicly a debit card but somehow works for credit. You get like a $500 limit. You depoist money in there and then can use it(like debit). It will build credit fast if you use it alot. After about 6 monthes of this you can start getting real cards cause you will have credit. BTW your credit score is just getting worse by appying for 4 cards and being denied.

BBmisc420196 · 08-20-2007, 11:43 AM

Quote:

Originally Posted by Darkwatcher758

you don't have to be a student to get a student card, just bs the school you go to but like a community college. You showing them money has nothing to do with them approving you, they look at your assets like anything else in a process they go through..

BTW, I hope you're not taking more then 15 days to apply and get denied for all these cards. Everytime you do that you're dropping your creditscore since its being checked again and again. if you check it for the same thing within 15 days then its ok but past that you're dropping it lower and lower.

Beat me 2 the BTW lol.

ocnscuba · 08-20-2007, 11:46 AM

Someone that worked in credit here said that if you don't have any credit history, and apply for cards and get denied it won't affect your score at all

maxiderm · 08-20-2007, 11:48 AM

Quote:

Originally Posted by ocnscuba

Someone that worked in credit here said that if you don't have any credit history, and apply for cards and get denied it won't affect your score at all

thats what i thought...

Darkwatcher758 · 08-20-2007, 12:27 PM

Quote:

Originally Posted by ocnscuba

Someone that worked in credit here said that if you don't have any credit history, and apply for cards and get denied it won't affect your score at all

Yeah I worked in the mortgage industry and I can tell you thats complete bs. Thats like people checking their own credit score thinking its not going to drop since they're the ones checking it. If you have 0 credit doesn't mean checking remains at 0, its just harder to built up in return..

dude if you get denied for 3 or 4 then its time to set another standard for getting a card. It's not all that fun having a credit card, a lot of people end up going in debt spending more then they have and they work to pay it off forever..