Advise on phase 2

[Anonymous]

well you can get an amazon store card if you want.. that card is only good if you have amazon prime as you get 5% cash back on amazon purchases. they will likely pull TU (they did that for me yesterday)

also try for the sallie mae card. pulls TU too and gives you 5% on gas and groceries and amazon

[rockbttm442]

I tried Sallie Mae they denied me because of the CO then because of the limited account opened. 

[Anonymous]

hmmmmmmm.

what all have you tried and when?

[rockbttm442]

Yesterday CU (approved) $500. Chase Freedom (denied), Barclay Sallie Mae (denied). Today Discover It (denied) 

[Anonymous]

eek. i wish i knew

[rockbttm442]

Oh well guess I'll wait until next year and try again. I'll have clean reports across the board with 2 CCs reporting and an auto loan. 

[Anonymous]

that'll help honestly. that's how i started.

[Anonymous]

I'd also look into a CU card. They often give high starting limits which can open the door for higher starting limits on future cards. CU cards typically have extremely low interest rates as well.

Edit: I see you already did so.

[Anonymous]

my CU cc apr is 13.99% and that was when i was 18 lol so you can do it!

[rockbttm442]

 Yeah i opened the card yesterday they pull TU so I knew I was good. Got the auto loan at 3.8% and their Platinum Visa Rewards at 7.99%. They tried to get me $2500 starting limit but haven't had my Cap 1 open long enough.