Easiest Cards To Get - Thin File

[Anonymous]

Because each CR will have more pulls. I have 3 on each CR but that's from 6 apps.

[Anonymous]

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@Anonymous wrote:

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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?

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I had UW privileges up to $500 at my CU lol. Your point that they already took a triple is null and void.... they don't need to apply again and take another hit. 

[Anonymous]

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@Anonymous wrote:

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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.

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Wrong again grasshopper, with a co-applicant OP could get a very reasonable rate. 

[Anonymous]

I had just opened an account with them a few days before on my birthday -- I don't think I'm that unlikeable

They turned me down for the secured, and then I applied at Discover the next day with instant approval.

I've been looking at first time homebuyer loans and have contacted someone regarding a USDA loan, and I've been told (nothing set in stone obviously) that I would be able to qualify in the next year or so since I'll have 3+ years of good income proof.

I appreciate all the info!
Sydney

[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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Personally, I don't understand the point in store cards. For they are limited to that one store, and you can't use them everywhere. If you want a card that has a great starting limit. I hear that Chase will usually give decent limits and also go for the Credit Unions. They are Super Generous!! Another great pointer is that Go with the bank you want to get your mortgage with If you get a CC with them and open an account just to establish a relationship it'll make it easier to get a home loan and give you bargaining chips in getting a lower interest rate and more!! I love credit unions! They are always a good place to start just do some research! Personally, I wouldn't waste an inquiry on a store card mostly since your credit is so new! Wait till later on down the road!

[Anonymous]

Im not a fan of store cards myself, but if you are going to get one for VS... wait for the SCT to show up for you. Don't take a pull for a VS card, and be very sure you want a store card. So many make the mistake (including myself) of opening up tons of store cards when new to creidt or rebuilding bcuz they are easier to get. Once you get into Prime card that are Visa/MC/Disco/Amex you will not want the store cards Anymore unless you really shop there all the time. Even then, at least with me... my tastes have changed with my age and I don't shop at the same places I did 3 years ago... so unless it is something like Macy's or Lowes, places you will shop at for a long time.... I would pass. Maybe VS is like that for women... idk. Just my 2cents.

Gl with your journey.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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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.

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Wrong again grasshopper, with a co-applicant OP could get a very reasonable rate. 

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I said OP can't get a mortgage, not that a co-signer can't get a mortgage.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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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 

---

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.

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Wrong again grasshopper, with a co-applicant OP could get a very reasonable rate. 

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I said OP can't get a mortgage, not that a co-signer can't get a mortgage.

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To my understanding, mortgage lenders typically using the lower of both applicants middle-valued scores to determine rates/approval, OP could still have potential issues getting a mortgage with/without a joint, as her scores (or lack thereof) would be what the rate would likely be based off of. That's if my understanding of mortgages is accurate.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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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 

---

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.

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Wrong again grasshopper, with a co-applicant OP could get a very reasonable rate. 

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I said OP can't get a mortgage, not that a co-signer can't get a mortgage.

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OP could still be eligible depending on UW requirements. 

[Blackswizz750]

Welcome to the Forum and Kudos for you on thinking about credit at 18. I recommend not apping with Cap One anymore since they hit you with three HP's already. Just research some CU's in your hometown and NFCU(they are nice and have many products for thin files). As long as you don't get cards b/c peers have them then you will do just fine. Having a relationship with a CU will pay off when you are ready to do a mortgage or car loan.