Easiest Cards To Get - Thin File

[Anonymous]

So I have a secured card and I'm just starting out. I've got a thin file obviously and short history. I'd like one or two more cards.

What are some easy cards to get approved for?

Sydney

[Aduke1122]

We would need to know more about your profile to give you some advice . Have you generated scores yet ? If so what are your true fico scores not Crek karma ones , also do you have any negative marks on any of the three credit bureaus?

[Anonymous]

If you don't have a secured Discover I recommend that. You will probably be graduated in 7 mo plus it gets rewards, cash back match, FICO score. It's a great card.

My recomendation: don't get cards cuz they are easy to get. Only apply for what you truly want. If your scores aren't good enough for those, wait. You have one secured... get 1 or 2 more, maybe Disco secured and a store card you shop at a lot... and that's it till your scores get to the high 600's.

Just my opinion tho. I hate to see others make the same mistakes I made by getting tons of crap toy cards and regretting it once you get your scores up.

[Anonymous]

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@tothephonebooth wrote:
So I have a secured card and I'm just starting out. I've got a thin file obviously and short history. I'd like one or two more cards.

What are some easy cards to get approved for?

Sydney

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Who's the secured card through and for how much??! As well as how long have you had it?! Also, don't just apply for easy if you want a killer portfolio.

[Anonymous]

It's a Discover secured card, I just put $200 on it because even with $500 I knew I couldn't really "use" it since I plan to keep it under 30%. I'm just going to spend a few bucks on it every month and pay it in full.

I turned 18 a few weeks ago, and I'm actually still waiting on the card in the mail. I don't plan to apply for anything until I have a score generated. I'm really interested in:

Victoria's Secret card

Capital One card (I bank with them, but they would not even give me a secured card because I had no history)

Possibly a Home Depot/Lowe's card because I'll be purchasing a home in the coming months.

Thanks for the input

Sydney 

[Anonymous]

My two cents as a 19 year old. Capital One is rubbish, so skip them reason being their reward structure is terrible, and they require a 3 bureau credit pull to get approved. Go for the VS card if you shop their often and the rewards would benefit you. Skip the Home depot as they are underwritten by CITI bank which is a PITA for new files, Lowe's on the other hand gives good limits, their underwriting is A LOT easier as they are issued by Synchrony bank and only pull TU. I would dump Cap One as a bank and look at joining a credit union, with your file you would be able to get a $500 unsecured visa no problem. For that research local CUs, find one that would fit your wants from a Financial institution and then walk into the branch with your last two pay stubs, open checking and apply for the credit card. I used to work for bothe NFCU and a local CU in Colorado, at the local CU in Colorado we would auto approve people with thin files for a $500 unsecured card provied they could provide POI (proof of income). Most local CUs are like this, I would also suggest looking into joining NFCU so that in the future when your FICO score has generated you will be able to apply with them, they give out monster CLs. Anyone can join them via San Diego Navy league just search on the forum here and you will find the process.

[AverageJoesCredit]

The world is yours for taking at 18, one step at a time. You may get lucky with Amex as it seems they are opening the doors to more and more people , they may want to be your one. Id wait at least a couple months to make sure you generate a Fico snd perhaps, if you are willing to risk a hp, app for an Amex. Of course there are other routes you can go, Navy Fed would be great to get in at 18! So you could consider them . Best of luck! Take your time and decide well, a thin file in the begining isnt so bad as it can grow and thicken with good management. This is a great place to have found, soak it up and you will be light years ahead of the game

[Anonymous]

I never understood the worry about double and triple pulls.  In the eyes of the creditor it's a single pull.  If one is trying to be slick and go for cards that only pull one it can be beneficial trying to spread them out.  But most double pull anyway and with a thick file inquiries aren't that big of a deal, except when buying a house then you don't want any inquiries period, at least for last 12 months.

[Anonymous]

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@tothephonebooth wrote:

It's a Discover secured card, I just put $200 on it because even with $500 I knew I couldn't really "use" it since I plan to keep it under 30%. I'm just going to spend a few bucks on it every month and pay it in full.

I turned 18 a few weeks ago, and I'm actually still waiting on the card in the mail. I don't plan to apply for anything until I have a score generated. I'm really interested in:

Victoria's Secret card

Capital One card (I bank with them, but they would not even give me a secured card because I had no history)

Possibly a Home Depot/Lowe's card because I'll be purchasing a home in the coming months.

Thanks for the input

Sydney 

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Unless you burned them I have a hard time imagining that Cap1 turned down a secured line. Though unsuccessful for me I know people who got the unsecured student card for $300 with no history whatsoever.

Also -- and I apologize if this bursts your bubble -- don't plan on getting a mortgage "in the coming months". Even if you can it'll be an obscenely high rate.

[Anonymous]

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@Anonymous wrote:

My two cents as a 19 year old. Capital One is rubbish, so skip them reason being their reward structure is terrible, and they require a 3 bureau credit pull to get approved. Go for the VS card if you shop their often and the rewards would benefit you. Skip the Home depot as they are underwritten by CITI bank which is a PITA for new files, Lowe's on the other hand gives good limits, their underwriting is A LOT easier as they are issued by Synchrony bank and only pull TU. I would dump Cap One as a bank and look at joining a credit union, with your file you would be able to get a $500 unsecured visa no problem. For that research local CUs, find one that would fit your wants from a Financial institution and then walk into the branch with your last two pay stubs, open checking and apply for the credit card. I used to work for bothe NFCU and a local CU in Colorado, at the local CU in Colorado we would auto approve people with thin files for a $500 unsecured card provied they could provide POI (proof of income). Most local CUs are like this, I would also suggest looking into joining NFCU so that in the future when your FICO score has generated you will be able to apply with them, they give out monster CLs. Anyone can join them via San Diego Navy league just search on the forum here and you will find the process.

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If OP was turned down for the Cap1 secured they already took the triple HP... What makes you think a CU would give them such an unsecured limit?