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Member
RyeBread
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

 

 

Established Contributor
jamie123
Posts: 907
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 690 11/17/14 - EX 687 7/21/14 - TU 682 7/21/14
Goal Score: EQ 720+
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Member
RENATO1
Posts: 27
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
Apinzon2374
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
Creditaddict
Posts: 21,724
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: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
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Member
RENATO1
Posts: 27
Registered: ‎03-10-2009
0

Re: Trying to Get a Card w/ No Credit

Thanks.

Member
RENATO1
Posts: 27
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
Luscher
Posts: 1,158
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 | CHASE RITZ | AMEX BCE | | BOFA REWARDS | CITI TYP | DISCOVER IT | CHASE CSP
--------$32,000-------------$25,000---------$22,700-----------$18,000------------$11,000--------$8,750----------$5,000----

FICO - TU: 780 EX: 785 EQ: 760

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