@taxi818 wrote:
@Anonymous wrote:
OP, my advice would be to try the Capital One Journey right now if you don't have the money to deposit on a secured card.
Not having scores is gonna make it tough and your limited income even tougher. Do your parents have a card that has been opened a long time that they can add you on. Something with perfect payment history and low utilization? That would help generate scores.
I don't get it. The deposit is only $49. If op does not have that then forget a credit card all together. This will just ruin your credit for future uses.
I don't disagree with you at all taxi, I was trying to point her in a direction since she seems intent on getting that first card and doesn't want to go the secured route.
Honestly, based on what she has posted, my advice is that she doesn't need a phone that costs almost as much as she makes in a month and she definitely doesn't need to be charging it. The money that she saves on not buying the phone would be perfect for a secured card deposit and building her own history that she controls and getting used to dealing with a credit card. Even better, I would suggest a secured loan with Allian - that way she is building history and building her credit score without the temptation to use any credit cards.
