12-25-2012 12:35 AM
12-25-2012 12:47 AM
with 4 months, you would have to look at sub-prime cards with high interest rates. You might be able to find one with rewards. Try Capital One.
Or, probably a better option, you could wait until you have another year on your current card and then apply for something better.
The third option is to find someone to add you as an authorized user, which would quickly give you some history.
My credit went downhill quickly at your age and I was able to rebuild it with a card from my work and a card from a credit union. That is a fourth option if your job offers a credit card, they are more likely to approve an employee. And many credit unions are generous to people who qualify as members.
12-25-2012 08:05 AM
12-25-2012 08:42 AM
12-25-2012 09:15 AM
Why don't you apply for a Walmart/other GE card and then garden for a while before stepping in the prime arena?