Q: I'm 19 with essentially no credit, what would be a good credit card for me?
Adding a co-signer reduces risk for lenders, but it also forces them to stay competitive by extending the kinds of features and perks you rarely used to see with student credit cards before the new regulations went into effect. Regardless of the benefits and perks your card will provide, it's important to stay focused on building a good credit history. Making small purchases, staying under 10 percent of your total available credit, and paying off your account each month are key steps in building a solid credit report.
Because your credit score improves as you maintain a history with a lender, think about signing up with a lender that offers other accounts and services you think you could grow into over time.
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- I am new to the U.S. (from Canada where I have excellent credit) and trying to build my credit. I got rejected applying for a normal card and I’m looking to get a card that I am sure I will get accepted. What do you recommend?
