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Secured card for a 1 1/2 years.. Should i open a another credit card?

Member

Re: Secured card for a 1 1/2 years.. Should i open a another credit card?

Great blog btw. Gonna follow. Smiley Wink

Message 11 of 25
Established Contributor

Re: Secured card for a 1 1/2 years.. Should i open a another credit card?

Not sure how close you are to graduating and getting a job but a 759 is pretty nice. If you don't NEED another credit card don't get one. Finish school. Get a job. Get established then the doors to some pretty prime lenders will be open... as long as you don't do anything to lower that score! I bet there are countless people here (myself included) that wished we had a score like that right out of school. 

Message 12 of 25
Member

Re: Secured card for a 1 1/2 years.. Should i open a another credit card?

im actually in my first year of college, about to be in my second year. i started late by a year. im gonna be majoring in accounting. im looking to get a job this fall though. so i might wait until fall to get my second card instead.

Message 13 of 25
Blogger

Re: Secured card for a 1 1/2 years.. Should i open a another credit card?

I love Bank of America and Discover, so I would suggest BofA Cash Rewards for Student and Discover It for Student. I review the regular version of the former on my blog.

Thanks for following my blog! Smiley Happy
Message 14 of 25
Blogger

Re: Secured card for a 1 1/2 years.. Should i open a another credit card?

Oh and btw, when you are asked for income, normally you can declare household income, which should be non-zero Smiley Wink
Message 15 of 25
Member

Re: Secured card for a 1 1/2 years.. Should i open a another credit card?

yeah, ive been thinking of BoA for my second card. do i need to be banking with them before i get a credit card?

Message 16 of 25
Valued Contributor

Re: Secured card for a 1 1/2 years.. Should i open a another credit card?


h0t0ny wrote:

yeah, ive been thinking of BoA for my second card. do i need to be banking with them before i get a credit card?


no you dont. I have 2 credit cards with them (one secured, one unsecured) and dont have either a savings/checking with them.

gardening since 5/21/2016
Message 17 of 25
Blogger

Re: Secured card for a 1 1/2 years.. Should i open a another credit card?

Not at all! If you have a credit card with them they may send you a promotion in the future for opening a checking account with them. Smiley Happy
Message 18 of 25
Member

Re: Secured card for a 1 1/2 years.. Should i open a another credit card?

sounds like BoA will have my business for my second credit card then. i really want an Amex card. LOL. hmmm, should i wait for that or have it as my 3rd. choices choices.

Message 19 of 25
Valued Contributor

Re: Secured card for a 1 1/2 years.. Should i open a another credit card?


h0t0ny wrote:

sounds like BoA will have my business for my second credit card then. i really want an Amex card. LOL. hmmm, should i wait for that or have it as my 3rd. choices choices.


you definitely wanna wait until you have proof of income to get in with AMEX...they may do a "financial review" on you which will require you to send them proof of income and even your taxes.

gardening since 5/21/2016
Message 20 of 25