Established Member
Nstark
Posts: 15
Registered: ‎10-10-2012
Re: Applied and keep getting denied! Score 679 Help please

My first student credit card was Capital One Journey.

 

It's a nice starting card to have. It does give you 1% cashback on all transactions which is a bonus and an additional .25% if you pay on time.

 

As others have stated though, depending on what you put down as your income, tbat may automatically deny you. I will warn you that Capital One will pull from all 3 CRAs so be cautious if you have a lot of inquiries as it is; however, I had quite a few when I applied and that didn't stop me from getting the card after just having a few months history on a secured card.

 

I have Citi Forward as well, but they require more credit history to be established on multiple accounts first before getting approved.

Wallet: Sallie Mae World MC ($7K 10/31/13 - 5% Gas) | Chase Freedom ($3K - 5% Rotating) | Citi Student Forward ($2200 - 5X Food, Entertainment & Book Stores) | Sams Discover ($1750)

Drawer: Sams Consumer ($4.5K) | Capital One Student Journey ($1250) | Capital One Secured MC ($225)

Credit Start Date: 08/05/2011 Age: 21