Limited Credit History - Best cards?

[CreditWorld2013]

Okay, so as mentioned in a previous post... I have 2 Cards (Discover More Student & Capital One Journey) I had applied for the Citi Forward Student (denied) and Bank of America Student (asked for co-signer) I attempted to recon the Citi Forward Student but a few "Peggys" kept reading from the numerical value script. I would like to get 1 more card before I enter garden mode so all the inquiries fall off within the same time frame and my accounts age together. The question I have is what card(s) can I get (Besides Secured Cards). I currently have 5 going on 6 months of history via a Student Loan in good standing and have a Checking (Chase) and Savings account, and as far as income if I add a small grant (I heard banks allow grants as income for students under 21) I would have an income of about 19,100. I've been looking at the US Bank College Card, Apple's Barclays Card (I like the financing offer since I can use a new iPad or Air), and the Chase Freedom (I heard some people get approved without 1 year of history while others say 1 year, and some 2+ years.). Can I get any of the cards I'm interested in? Any other thoughts? 

I know Barclays is Inq sensitive (I only have 2 (Discover + Capital One) on transunion beside a student loan from 6 months ago), 1 on Equifax (Capital One), and 3 on Experian believe Capital One, Bank of America, and Citi) 

PS: Thanks to the forums I also know how to use credit wisely. (Utilization should be capped at around 1%-9% when applying for a card and don't exceed 30-35% of all available credit. Never be Late, Over the limit, etc) 

Sorry about the long post. 

[bichonmom]

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@CC365 wrote:

Okay, so as mentioned in a previous post... I have 2 Cards (Discover More Student & Capital One Journey) I had applied for the Citi Forward Student (denied) and Bank of America Student (asked for co-signer) I attempted to recon the Citi Forward Student but a few "Peggys" kept reading from the numerical value script. I would like to get 1 more card before I enter garden mode so all the inquiries fall off within the same time frame and my accounts age together. The question I have is what card(s) can I get (Besides Secured Cards). I currently have 5 going on 6 months of history via a Student Loan in good standing and have a Checking (Chase) and Savings account, and as far as income if I add a small grant (I heard banks allow grants as income for students under 21) I would have an income of about 19,100. I've been looking at the US Bank College Card, Apple's Barclays Card (I like the financing offer since I can use a new iPad or Air), and the Chase Freedom (I heard some people get approved without 1 year of history while others say 1 year, and some 2+ years.). Can I get any of the cards I'm interested in? Any other thoughts? 

I know Barclays is Inq sensitive (I only have 2 (Discover + Capital One) on transunion beside a student loan from 6 months ago), 1 on Equifax (Capital One), and 3 on Experian believe Capital One, Bank of America, and Citi) 

PS: Thanks to the forums I also know how to use credit wisely. (Utilization should be capped at around 1%-9% when applying for a card and don't exceed 30-35% of all available credit. Never be Late, Over the limit, etc) 

Sorry about the long post. 

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Unfortunately, it's going to be hard to get a CC without any history. They don't take into account your banking history -- only credit. You have 2 CCs, which is good starting point. I'd give them 6 mos to a year to age and then contact local CUs and see if they have something they can offer you.

I'm not familiar w/US Bank College card. If you really want a third card, I'd give them a call and see if they'll approve you without any credit history. But really, I think you'd be better off letting your 2 accts age a while first.

[ztnjpv]

Google Capital One's pre-qualifier page. It will tell you if they have an cards you can apply for.

[improvingmycredit]

Hey! I know you probably don't want to hear this, but with your limited credit history- IMHO, you are pretty lucky to have the cards you've got. I think some time gardening for at least 6 months would do wonders for building a history and set you up for some good cards with good APRs. I have friends in the same situation as you and they can't get anything at all but denials. Wait the 6 months and app for a Zync.

[Ron1]

Have you tried to apply for Walmart Card? It's pretty easy to get with limited history.  It might help you to build good history plus free FICO score.

Ron.

[nuggets321]

+1

[logan_720]

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@CC365 wrote:

Okay, so as mentioned in a previous post... I have 2 Cards (Discover More Student & Capital One Journey) I had applied for the Citi Forward Student (denied) and Bank of America Student (asked for co-signer) I attempted to recon the Citi Forward Student but a few "Peggys" kept reading from the numerical value script. I would like to get 1 more card before I enter garden mode so all the inquiries fall off within the same time frame and my accounts age together. The question I have is what card(s) can I get (Besides Secured Cards). I currently have 5 going on 6 months of history via a Student Loan in good standing and have a Checking (Chase) and Savings account, and as far as income if I add a small grant (I heard banks allow grants as income for students under 21) I would have an income of about 19,100. I've been looking at the US Bank College Card, Apple's Barclays Card (I like the financing offer since I can use a new iPad or Air), and the Chase Freedom (I heard some people get approved without 1 year of history while others say 1 year, and some 2+ years.). Can I get any of the cards I'm interested in? Any other thoughts? 

I know Barclays is Inq sensitive (I only have 2 (Discover + Capital One) on transunion beside a student loan from 6 months ago), 1 on Equifax (Capital One), and 3 on Experian believe Capital One, Bank of America, and Citi) 

PS: Thanks to the forums I also know how to use credit wisely. (Utilization should be capped at around 1%-9% when applying for a card and don't exceed 30-35% of all available credit. Never be Late, Over the limit, etc) 

Sorry about the long post. 

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Barclay is inquiry sensitive, but I think it just depends on the person. I was denied a Barclay Financing card two days ago, called for recon today, and asked for $1,700, he instantly approved me (I should have asked for more). So I would try it, and if denied, try and get an approval via recon like I did. They are really easy to talk to and youa re connected instantly. I would also try for an American Express Zync. But don't cross your fingers.

[Anonymous]

Atlantic stewardship bank college rewards visa (issued through elan financial) gave me a nice limit with no credit history and I was just approved for a Walmart card so I said these are two you may be able to get especially if you have something reporting.