Just Turned 18 Need a Credit Card
Author: tpham2006
Posted: Wed Mar 29, 2006 1:37 am
Post subject: Just turned 18
Hi,
I just turned 18, literally. My bday is 03/29. Anyways, I was wondering if I should start trying to get a cc to establish a good credit history or should I wait a bit before trying. Also, any suggestion on what card I can apply for w/o getting rejected? Thanks.
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Author: tpham2006
Posted: Wed Mar 29, 2006 1:48 am
Post subject:
also, I should note that I won't be graduating until later in June so I'm not sure if I can apply for the "college student" card
Author: beyond platinum
Posted: Wed Mar 29, 2006 2:00 am
Post subject: Just Turned 18 Need a Credit Card
Why wait? You would only be delaying the start of your credit history. You will find that approval will be easier if you go through your credit union or bank first. Once you establish a history(usually 6 months or more) then apply for cards issued through major banks or creditors like American Express or Citibank.
_________________
"The most incomprehensible thing about the world is that it is comprehensible." --Einstein
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: tpham2006
Posted: Wed Mar 29, 2006 2:06 am
Post subject: Just Turned 18 Need a Credit Card
I am currently banking with TCF and I don't believe they have an credit card option. I'll check on that but would a department store CC be a good choice for my 1st card? I'm thinking of BB as I spend a lot of money there.
The reason why I asked if I should wait a bit is because I just turned 18 and I don't know how it would look if I go and apply for a CC 2 days after turning 18.
Author: beyond platinum
Posted: Wed Mar 29, 2006 2:18 am
Post subject: Just Turned 18 Need a Credit Card
You may be right; http://www.tcfbank.com/PersonalBanking/pb_checking_miles_plus_card.jsp
A retail card would be my second suggestion or taking out a small personal loan through TCF. Here is the website for the Best Buy card which is managed by HSBC:
Best Buy
Happy birthday and remember that check or debit cards don't report to the credit bureaus.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Wed Mar 29, 2006 1:37 am
Post subject: Just turned 18
Hi,
I just turned 18, literally. My bday is 03/29. Anyways, I was wondering if I should start trying to get a cc to establish a good credit history or should I wait a bit before trying. Also, any suggestion on what card I can apply for w/o getting rejected? Thanks.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: tpham2006
Posted: Wed Mar 29, 2006 1:48 am
Post subject:
also, I should note that I won't be graduating until later in June so I'm not sure if I can apply for the "college student" card
Author: beyond platinum
Posted: Wed Mar 29, 2006 2:00 am
Post subject: Just Turned 18 Need a Credit Card
Why wait? You would only be delaying the start of your credit history. You will find that approval will be easier if you go through your credit union or bank first. Once you establish a history(usually 6 months or more) then apply for cards issued through major banks or creditors like American Express or Citibank.
_________________
"The most incomprehensible thing about the world is that it is comprehensible." --Einstein
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: tpham2006
Posted: Wed Mar 29, 2006 2:06 am
Post subject: Just Turned 18 Need a Credit Card
I am currently banking with TCF and I don't believe they have an credit card option. I'll check on that but would a department store CC be a good choice for my 1st card? I'm thinking of BB as I spend a lot of money there.
The reason why I asked if I should wait a bit is because I just turned 18 and I don't know how it would look if I go and apply for a CC 2 days after turning 18.
Author: beyond platinum
Posted: Wed Mar 29, 2006 2:18 am
Post subject: Just Turned 18 Need a Credit Card
You may be right; http://www.tcfbank.com/PersonalBanking/pb_checking_miles_plus_card.jsp
A retail card would be my second suggestion or taking out a small personal loan through TCF. Here is the website for the Best Buy card which is managed by HSBC:
Best Buy
Happy birthday and remember that check or debit cards don't report to the credit bureaus.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 8:15 PM
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