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Hi guys! I am new to this forum and this is my first post, hopefully you will be able to help me out.
When I was younger I always thought cash was king and that I would never need credit or a credit score. I recently applied for credit cards and have repeatly been denied for not having any credit what so ever.
Will being an authorized user on a credit card with no late payments and 7% utilization be enough for me to be able to secure my own cc?
I have never had a credit card before and the only bad mark on my credit report is 2 student loans that I defaulted on 3 years back but I am currently out of default and making payments regularly.
My scores are : TU 509 EQX 497 EXP 457
I am just now starting my journey to better credit, appreciate your input, thanks!
@Anonymous wrote:Hi guys! I am new to this forum and this is my first post, hopefully you will be able to help me out.
When I was younger I always thought cash was king and that I would never need credit or a credit score. I recently applied for credit cards and have repeatly been denied for not having any credit what so ever.
Will being an authorized user on a credit card with no late payments and 7% utilization be enough for me to be able to secure my own cc?
I have never had a credit card before and the only bad mark on my credit report is 2 student loans that I defaulted on 3 years back but I am currently out of default and making payments regularly.
My scores are : TU 509 EQX 497 EXP 457
I am just now starting my journey to better credit, appreciate your input, thanks!
It depends on the lender, if you share last name and/or address, and the policy of the lender.
You're better off getting a secured card.
I was going to get a capital one secured card or apply for barclays mastercard if being an authorized user helps my score and credit history go up a little. Not sure yet as the credit card I am an authorized user on hasn't reported yet.
I may have to get a secured card first. Its a horrible feeling applying and getting rejected. Its a start to a long journey!
@Anonymous wrote:I may have to get a secured card first. Its a horrible feeling applying and getting rejected. Its a start to a long journey!
start with 2 secured cards, BOA will be my first suggestion second is up to you, Cap 1 or watever u find.
Okay thank you! Hopefully I am able to get approved for secured credit card. I'll let you know the outcome when everything is done.
I'll probably go with the cap one secured. I'm an authorized user as well on a cap one card so might as well stay with cap one until my scores are good enough for unsecured.