Where to get a credit card?

NYSpeed Automotive NYSpeed Off Topic
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So the time has come for me to get a CC, im 21 and have never had one before. I applied for some student card through Capital One and HSBC, and was denied for both, due to my lack of credit. I have no credit history at all. So now im lost, I have no clue what to do next. Should I apply for one elsewhere?

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i just got one through chase a month or two ago. they have a rewards thing where you get 5 points for every buck you spend at a gas station or supermarket. after 5k points, you get 50 bucks.
im 22 with no credit, so i would imagine you would be able to get one as well.

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Best card on the market right now is the Worldpoints Visa through MBNA. Rates are decent but the benefits are MUCH better then 90+% of the market. Even as a student, they will give You a good chance to get approved - so long as You dont have alot of negative history.

If You have poor credit history, there are still quite a few cards out there - but You will not like the 6/mo “participation fees”, the $89/annual fees, or the 15+% rates.

Basically, as a student they will assume that You’re going to have a decent income in a few years, and at that point they want to be in Your pocket.

I could go on for hours…

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I remember my first Credit Card was through HSBC. I built up my credit through them and now I have a Disney Visa which was really hard to get. But I really liked HSBC.

5

My first CC was from Citi Bank. It was a student card that I got when I was 19.
I still have it but don’t really use it anymore.

My card of choice now is my Amazon Visa and the clear Amex. Amazon gives you gift certificates after you spend a certain amount with their card. Got myself a little something after buying an engagement ring on the card.

6

I got my first at 17 from the bank of omaha or some shit
student card of course
I got another one from MandT a world points visa or somethin…
Just keep filling out applications youll get one eventually
Could always get a sears card…they give those to ANYBODY haha

7

go get a target visa – sign up when you do your xmas shopping and save 10% on everything you buy as well. :tup:

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:noes: this will end bad for the thread starter.

10

you can get a secured credit card from anywhere

that means, you give them 500 bucks, they give you a 500 dollar limit, so you they don’t lose money on you if you flake out.

That builds credit real fast also, shows that you are responsible.

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opnce again me showing off but the best card on the market is the USAA credit card i’t sbeen that way for some time now …

actually they were letting civillians get them for a while

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FTW - as opposed to applying everywhere

When were they publicly offered?? shit… sad I missed it.

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first card i got was a american eagle card it had 100 limit from paying the minumum for 6 months built my credit up i now have a 2000 dollar card from key bank and my sears card. whatever u do watch for what cards has what. my sears car kicks my ass at 23 percent intrest

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u also dont wanna keep drastically applying that shows up on ur credit and doesnt look good

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if u have no credit, get a small card at like express or sears or somethin like that, after that youll get all kinda of offers in the mail from actual card companies.

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you gotta look for a credit card? I get applications almost every day in the mail.

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i like my gm card

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:word: this is a good way too start…also open a checking and saving accounts with the same bank

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join a credit union

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i think im gonna look into one of those prepay dealies towards the end og winter break… thanks guys.