Credit Cards Center Credit cards from our partners
Reply
Member
Posts: 34
Registered: ‎03-30-2013
0

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

Great blog btw. Gonna follow. Smiley Wink

Established Contributor
Posts: 939
Registered: ‎07-24-2012
0

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
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
Posts: 3,367
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! Smiley Happy
Blogger
Posts: 3,367
Registered: ‎10-19-2012
0

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
Member
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
Posts: 2,137
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.

gardening since 5/21/2016
Blogger
Posts: 3,367
Registered: ‎10-19-2012
0

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
Member
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
Posts: 2,137
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.

gardening since 5/21/2016

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.