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Member
h0t0ny
Posts: 34
Registered: ‎03-30-2013
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Re: Secured card for a 1 1/2 years.. Should i open a another credit card?

Great blog btw. Gonna follow. :smileywink:

Established Contributor
scenery_guy
Posts: 958
Registered: ‎07-24-2012
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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. 

Member
h0t0ny
Posts: 34
Registered: ‎03-30-2013
0

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.

Blogger
HiLine
Posts: 2,895
Registered: ‎10-19-2012
0

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! :smileyhappy:
Blogger
HiLine
Posts: 2,895
Registered: ‎10-19-2012
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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 :smileywink:
Member
h0t0ny
Posts: 34
Registered: ‎03-30-2013
0

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?

Valued Contributor
dodgerslv
Posts: 1,759
Registered: ‎06-16-2012
0

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.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Blogger
HiLine
Posts: 2,895
Registered: ‎10-19-2012
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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. :smileyhappy:
Member
h0t0ny
Posts: 34
Registered: ‎03-30-2013
0

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.

Valued Contributor
dodgerslv
Posts: 1,759
Registered: ‎06-16-2012
0

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.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).






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