You should be getting a letter in the mail explaining the rejection. If you post that info when you get it, you should get meaningful advice here.
Being an authorized used isn't consider worth a lot around here.
You might check what your scores are. The most common version is fico8. You can get the equifax score free from the free sub here at myfico, the ex score from experian.com and the transunion from creditwise.com. If any of these report no score, that's likely the problem. You have to have some credit activity For 6 months to be fico scorable.
For any future apps, I'd go with preapprovals, many banks offer no hard inquiry unless approved.
I think you did well trying for a student version. I'd think a student version might accept no fico score, you have to start somewhere.
Here's an idea. Try Capone
https://www.capitalone.com/credit-cards/
They have their downsides, but they are not too picky. They offer many versions of several cards, including student versions. The "check my elgibility" won't hard pull unless you accept. It will check all of their cards. If you don't want anything they offer, decline, but at least you'll know where you stand.
@Outside1 wrote:
I just turned 18 and I was hoping to start building my credit. I looked online at some of the good student credit cards and thought the Bank of America CCR matched my spending. However this morning I applied and I was denied. I do have a credit score as I am an authorized user on my dad's credit card and I have close to $10,000 a year in annual income. Any suggestions on what to say to Bank of America so that they might reconsider this?
This "check my elgibility" won't hard pull unless you accept. It will check all of their cards
