|
I have taken out 2 money loans in the last 6 months with Regions, which my rep told me would help build my credit, and paid them back on time. However, I still can't get any of the student cards, or cards for people with "little or no credit". This is getting frustrating. I wish rent payments and utilities counted for credit, I've been paying that for 2 years. SSJ_naruto_2003 fucked around with this message at 14:27 on Nov 7, 2014 |
#
¿
Nov 7, 2014 14:22
|
|
|
|
| # ¿ May 4, 2024 03:00 |
|
|
Dengraz posted:Find a "secured" credit card to apply for and use that/pay it off for a few months. That is usually enough to qualify you for student cards, etc. Is that the one where you put down $200 as a deposit for $200 limit? Would closing it after I got done hurt my score too much, and do they typically have annual fees? EDIT: Most do have annual fees, and the capitalone secured card looks best, but I really, really hate having to pay fees when I'm poor already. SSJ_naruto_2003 fucked around with this message at 15:31 on Nov 7, 2014 |
|
#
¿
Nov 7, 2014 15:26
|
|
|
nickutz posted:They may be able to upgrade or product change your secured card to another offering. This will keep the credit line's opening date the same on your credit report. Ah, cool, I'll go ahead and ask them about it before I get it.
|
|
#
¿
Nov 7, 2014 15:31
|
|
|
Dengraz posted:Check with your bank or credit union first. Often you can "graduate" or convert your card from a secured to an unsecured version. Capital One does this, but has a small annual fee on the secured card. I'd suggest googling around for decent ones. I did google around, and theirs was the only one I could find that looked halfway decent. There's one with no fee but I think it requires you to physically come to their branch and sign up. My local CU doesn't offer it, sadly.
|
|
#
¿
Nov 7, 2014 15:40
|
|