CREDIT CARD ADVICE NEEDED URGENTLY

[Anonymous]

Actually may be I was not able to express it properly. After using 1500 from Discover, there will be 1300 more which I have to pay by mid December.

[Anonymous]

Thank you Jpmack, I totally understand. Bdw do you think Credit one will accept my application, considering my situation?
I don't want to get more rejection, it will affect my score badly.

[Jpmack29]

They were my first card years ago when I started. They seem more lenient then others, they are not prime cards and likely won't give you a good limit. But unfortunately, with fair credit and limited history they are your best bet, before capital one quicksilver 

[SouthJamaica]

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@Anonymous wrote:

Details:
Credit History: Started this month, so almost no credit history
I have Discover students card with 1500 credit line.
Need: Good credit line credit card, to pay my fees (around $1300)
Currently Masters level student (industrial management), about to graduate: Would surely pay the debt within 6-8 months
Not a US citizen/Permanent Resident.
Got denied for few major credit cards ( they needed better scores/Perm residency).

Please help! I won't be getting my degree if I don't pay the fees.

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Your best bets are Capital One, and Barclays Rewards.  If you've applied for those and been denied, then you should just wait.

[SouthJamaica]

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@Anonymous wrote:

Hello Jace 8602,

It shows me that I am pre-qualified for 3 credit cards. I got declined for two of them. Last option is Capital One quick silver, $39 annual fee, 0 APR till July 16. But I am scared now.

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Apply for Quicksilver!

[Anonymous]

Alright, I will surely try. Thank you so much.

[Anonymous]

Hi.. I am surely considering capital one quick silver. What about Berclays? Are they lenient?

Thanks for your reply.

[notpaul]

It sounds like your utilization is too high. If you have to pay 1300 of 1500 limit you are considered a high risk now. Pay it down to about 300 still owed, wait a month, then put in an app. I have credit accounts in the US and in Canada...although I sparingly use the Canadian ones because foreign bank accounts (like the checking account Id pay the credit card with) create problems with the US tax officials. So it is possible to have credit in two countries...its just completely separate as far as the history goes. You basically have to start over from nothing.

[Anonymous]

@notpaul..

So you mean that I pay some money now, then wait for a month and then put a new application for a new credit card?

I hope you know that I am planning to use this 1500 full (0 APR Discover) and get another card and use it full as well. The total money I want is 2800 (1500+1300) which I have to pay now or before 18th Dec. I would keep paying the minimum payment per month. I know this will make my credit score very low. But this is my last option.

[braznyc]

Not sure if this has been asked but if you're a student have you tried other student cardsn(Cap 1 Journey I believe) ?  Just curious, you probably have and if so then I would take the advice on utilization and waiting while you're score and history gets to a better place. Good luck!