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Member
Posts: 17
Registered: ‎01-12-2013
0

Trying to Get a Card w/ No Credit

So, my girlfriend is looking for a credit card, something small to start out with, and she's asking for my help. :3

 

Any suggestions? I'm thinking that the Discover IT Student would be a good choice for her as she's in college, but she doesn't have any loans out in her name. Only a cable bill.

 

Maybe the Cap1 Secured MasterCard?

 

 

~Rye

 

 

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Valued Contributor
Posts: 1,253
Registered: ‎03-22-2012
0

Re: Trying to Get a Card w/ No Credit

Does she have an income?

 

I agree with the Discover Student or even a Walmart card. Walmart might start her out with a small CL but they are very generous with CLI. Besides, she will get a free TU FICO score every month so she can track her score.



Starting Score: EQ 658 6/18/12
Current Score: EQ 705 6/21/15 - EX 783 6/21/15 - TU 707 6/21/15
Goal Score: EQ 720+
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Member
Posts: 31
Registered: ‎03-10-2009
0

Re: Trying to Get a Card w/ No Credit

Best deal is topen a secured card with her own money for about $200 at any bank or credit union. After 6 months she will probably get an unsecured with Orchard Bank or a credit union. I prefer a credit union. She needs to join creditkarma.com to see how her credit score is moving.

Regular Contributor
Posts: 119
Registered: ‎11-10-2013
0

Re: Trying to Get a Card w/ No Credit

Capital One gave me my first credit card when I had a very limited credit history and it was unsecured too so I'd recommend them.

If not then like mentioned, a secured card would probably be her best option.

Capital One Quicksilver | Chase Freedom | Chase Sapphire | AMEX Blue Cash Everyday
Scores: EX: 725 | TU:742
Epic Contributor
Posts: 25,819
Registered: ‎10-23-2007
0

Re: Trying to Get a Card w/ No Credit

I have been seeing Discover will give first credit card

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Member
Posts: 31
Registered: ‎03-10-2009
0

Re: Trying to Get a Card w/ No Credit

Thanks.

Member
Posts: 31
Registered: ‎03-10-2009
0

Re: Trying to Get a Card w/ No Credit

It's a surprise. Didn't know discover can be a start up. He still needs to creditkarma first to see the whole picture. You never know.

Valued Contributor
Posts: 1,628
Registered: ‎03-24-2013
0

Re: Trying to Get a Card w/ No Credit

Discover was my very first credit card. It was the normal Discover More card, not the student or anything like that.
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$10,000---------$10,750----------$5,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 761
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