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  #1  
Old 10-27-2009, 02:11 PM
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Default Why can't I get credit?

I've applied twice now to get a credit card, and I keep getting rejected.

I turned 18 in June so I have absolutely no credit. So for you guys that have credit, how did you go about getting one?
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  #2  
Old 10-27-2009, 02:13 PM
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Have you tried capital one?

And I'm starting my credit off by my car loan. I've had offers for platinum cards that I have shredded and tossed. lol



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  #3  
Old 10-27-2009, 02:13 PM
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What bank are you with? I know that at chase they have some type of student cr. card that you can get without any history needed iirc...almost garunteed to be accepted for it just to start your credit out, then you can move up from there.
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Old 10-27-2009, 02:13 PM
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capitalone is the first credit card i had there the easiest to get

edit:dont mind my spelling i have the flu lol
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  #5  
Old 10-27-2009, 02:15 PM
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I was also rejected by capitol one my first cards are/were through chase
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Old 10-27-2009, 02:15 PM
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Quote:
Originally Posted by 92K1500 View Post
Have you tried capital one?

And I'm starting my credit off by my car loan. I've had offers for platinum cards that I have shredded and tossed. lol
I just tried Capital one and got rejected..

Quote:
Originally Posted by Pioneer~Saturn View Post
What bank are you with? I know that at chase they have some type of student cr. card that you can get without any history needed iirc...almost garunteed to be accepted for it just to start your credit out, then you can move up from there.
I'm with National City bank right now.

Do I have to open a bank account with Chase for that?
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  #7  
Old 10-27-2009, 02:17 PM
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I am in the same boat as you. I tried with my bank (pnc) and a sunoco (gas station) card
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Old 10-27-2009, 02:17 PM
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chase website fill out the little form just apply for one the low cards like a gas card it will only have 500 limit but you have to start somewhere
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Old 10-27-2009, 02:17 PM
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dont need a chase bank account
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Old 10-27-2009, 02:18 PM
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You may need to start with a signature loan, you may need a co-signer but thats how I started a yr with perfect payments, but you should be able to apply for a CC at your bank try lowering the limit your asking for try starting with like a $500 limit just til you can build some credit

LOL. Just wait by the time your like 20 youll be getting pre-approval letters out the ying-yang.
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