11-23-2012 10:31 PM
As a former 18 year old who wanted to build credit ASAP, i HIGHLY recommend getting a student card! Either Capital One Journey or a Discover Student Card is easy to get. For Capital One, you may actually have to put your actual income, so if you ever had a part time or full time job or have one lined up put in the estimated yearly income (if you have no idea, just put 10000). Discover isn't as specific in their "annual income" area, so sometimes you can get away with a household income. I have to say my brother and I both used our household incomes for applications that don't specifically ask for personal income, and never had to ever submit proof of income!
Best of luck and happy building
Let's make sure we aren't encouraging lying on a credit card application, here. Doing that is fraud, and you are taking your chances with the lender and the law. Make sure anything you put on a credit card application you can prove if asked for verification.
11-23-2012 10:47 PM
11-25-2012 12:12 PM
LMBO i was getting my hopes up, and yes lying about income could possibly close my doors with three locks not allowing me to open any credit hahha. I guess I should wait until my parents lower their debt and then do a joint with a credit card. This will happen very soon Thank you all for all your helpful advice and information. I will look into it if things do go as planned.
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