After miscalibrating my creditworthiness and getting denied 4 or 5 times...I've finally been accepted for a credit card without needing a cosigner! It's the Cap1 Cash Rewards Mastercard. The only problem is that it has an annual fee. I would rather trade it for the Cap1 Platinum which has no fee, but a higher APR. I haven't activated the card yet. Any chance they will just let me trade? Fee card is better than nothing, but I'm afraid in the long run I will one day wish to cancel this card.
Starting Score: 657