First time credit card applicant

[medicgrrl]

Congrats! If you're looking for more than 1 card, my 19 year old son had luck with Discover and Cap1 also. He had 10 months history on a car loan and was approved for $2000 & $1000 on those cards.

[Anonymous]

Wow Congrats! That was way easier and a better starting limit than I was expecting. Nicely done. I guess it pays to be a loyal customer of theirs. 

[Anonymous]

---

@Anonymous wrote:
Hello all,

I went to my BofA branch and talked to an associate. Applied for the BofA cash rewards card and was instantly approved with a 3.5k limit. My checking account had 4K in it so it may have played into it. Thanks for all the responses.

---

Wow! Congratulations! That's an awesome limit for your first card. Treat it well for a year or so and you'll have great chances for the Freedom. 

[Anonymous]

Hi -

I just saw your post about which card you should get.    I would probably stay away from the big banks (Chase, Citi, etc.) and go with Capital One Quicksilver or maybe Discover IT for students.     Good luck !! :-)

[Anonymous]

I wished i'd seen this before I applied for Chase and got rejected today.

"Insufficient credit history"...

I'll try getting more secured cards and will re-apply.

[SouthJamaica]

---

@Anonymous wrote:
Hello all,

I went to my BofA branch and talked to an associate. Applied for the BofA cash rewards card and was instantly approved with a 3.5k limit. My checking account had 4K in it so it may have played into it. Thanks for all the responses.

---

Congratulations. That's a good cash back card.

[LuckyB338]

Despite what’s been said, I doubt you’d be unable to get a starter card. By which I mean, go for a discover it student! And use your household income ie: whatever the total everyone in your house make or just parents themselves. Odds of approval are pretty high and you don’t have to be a student. Start there and use the card for 6 months and apply for Amex, then chase. Also, your students loans count for credit. So the first loan you got was the oldest acc on your report. Good luck we’re here to help

[Jnbmom]

---

@LuckyB338 wrote:
Despite what’s been said, I doubt you’d be unable to get a starter card. By which I mean, go for a discover it student! And use your household income ie: whatever the total everyone in your house make or just parents themselves. Odds of approval are pretty high and you don’t have to be a student. Start there and use the card for 6 months and apply for Amex, then chase. Also, your students loans count for credit. So the first loan you got was the oldest acc on your report. Good luck we’re here to help

---

Sorry I have to disagree here, unless his "parents" or a household member is paying his bills, I would not suggest using their income.

[Anonymous]

This thread is almost a year old and the OP has not posted any comments since 6/21/17.  So in all likelihood he/she wouldn't see any of this "advice."

---

@LuckyB338 wrote:
Despite what’s been said, I doubt you’d be unable to get a starter card. By which I mean, go for a discover it student! And use your household income ie: whatever the total everyone in your house make or just parents themselves. Odds of approval are pretty high and you don’t have to be a student. Start there and use the card for 6 months and apply for Amex, then chase. Also, your students loans count for credit. So the first loan you got was the oldest acc on your report. Good luck we’re here to help

---