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Hello everyone,
My GF graduated from college last summer, and was finally able to get a substitute teaching job at a local district. Knowing how important it is to start building good credit, I talked to her about it. Is it absolutely necessary to get a secured credit card for people with no credit these days? Or do you think she would get approved for a store card or even a regular CC?
Thank you!
@Desmoire wrote:Hello everyone,
My GF graduated from college last summer, and was finally able to get a substitute teaching job at a local district. Knowing how important it is to start building good credit, I talked to her about it. Is it absolutely necessary to get a secured credit card for people with no credit these days? Or do you think she would get approved for a store card or even a regular CC?
Thank you!
I couldn't get approved for a store card or regular credit card when I had no credit estabilished.. it was ONLY when I had some credit estabilished is when I got store cards and an unsecured card. I had to start off with a secured card, as many people have to. I'd have her start off that way.
A few years ago when I was 18 and working for Best Buy, one of our employee benefits was a guaranteed approval for a $100 credit limit Best Buy Mastercard with no annual fee.I signed up - and because of this card, I was able to grow my credit history.
Check to see if her employment offers some type of credit assistance - you never know.
There's a great post on how to approach this by Daybreaksgone, see here (has her situation nearly exactly:
http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-July-2013/m-p/2306249#M648941