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Greg34 wrote:
Well as everyone stated. I got denied... Does that hurt my credit score? I guess I'm just going to apply for a credit Card through my Bank (Wachovia).Aftermath: I wasn't saying my roommate knew more than people on this board, I'm just saying that he was in the exact same situation as me and got approved for bluesky with no credit.Thanks for all the help
Greg34 wrote:
Cheddar,Yeah I called them, they said there was no report on me at all... So does that mean the denial will not hurt my record?
@Greg34 wrote:So I'm doing a little more research on cards right now...I'm looking at the "Citi Platnium Select for College students" on creditcards.com and it says you need "good credit". But at the same time the MTVu card says the same thing... Should I try one of those or should I go with the Capital One for students that says "limited/ average credit"Remember, I don't plan on carrying a balance so a high APR doesn't scare me.Here is the link...
Message Edited by Greg34 on 06-27-2008 09:07 AM
@Anonymous wrote:
@Greg34 wrote:
So I'm doing a little more research on cards right now...I'm looking at the "Citi Platnium Select for College students" on creditcards.com and it says you need "good credit". But at the same time the MTVu card says the same thing... Should I try one of those or should I go with the Capital One for students that says "limited/ average credit"Remember, I don't plan on carrying a balance so a high APR doesn't scare me.Here is the link...
Message Edited by Greg34 on 06-27-2008 09:07 AM
My recommendation is to stay away from Cap1 cards for limited credit. These usually have awful terms and hefty annual fees. The secured card with BOA or Citi might be an option. I think Citi takes a little longer to unsecure, but your money earns interest while secured as a deposit, so that's an incentive (If you even have funds you want to tie up to build credit)
Otherwise, I'd really recommend the Citi mtvu card. Not having any credit file, they might give you a small credit line, but rewards-wise, this is an unbeatable card. (A lot of 5% back stuff). The worst that can happen is a denial, so the only negative mark would be an inquiry. If for some reason you can't get a Citi card, any other lender who would approve you wouldn't care about one inquiry.