College Student, sorta lost

[charleeislegend]

lost on how to edit a post or quote a post to reply so ill just make a new one
Marty56 I had a checking account with a credit union for over 3 years, they were the first to deny me .

[jsucool76]

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@charleeislegend wrote:

lost on how to edit a post or quote a post to reply so ill just make a new one
Marty56 I had a checking account with a credit union for over 3 years, they were the first to deny me .

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To edit a post click "Options" on your post and "Edit Post"

To quote, click the reply button on the post you'd like to quote (every post in a thread has it's own reply button) and then when the reply page comes up, on the top right there is "Spell Check" and "Quote" 

[charleeislegend]

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@jsucool76 wrote:

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@charleeislegend wrote:

lost on how to edit a post or quote a post to reply so ill just make a new one
Marty56 I had a checking account with a credit union for over 3 years, they were the first to deny me .

---

To edit a post click "Options" on your post and "Edit Post"

To quote, click the reply button on the post you'd like to quote (every post in a thread has it's own reply button) and then when the reply page comes up, on the top right there is "Spell Check" and "Quote" 

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Oh thats cool, sorry all this forum has me overwhelmed with all this info! haha

[jsucool76]

It took me like 2 months to find the quote button, lol. 

[andyaycw]

Wow, from reading some of these posts, it seems like things are gotten VERY tough for college students now to establish credit thanks to the CARD Act and the whole "proof of income" deal.

When I turned 18, I applied for and was approved for the (to the best of my memory) Citi Driver's Edge and Citi Dividend. I believe they were both Student versions of the card. I just kept paying in full and on time and that opened up the door for me a year later to apply for other credit cards as well. Heck, eventually Penfed offered me a card via pre-approval based on my credit only, no proof of income, and the only relationship I had with Penfed prior to the pre-approval was a $5 balance in their Share account, $0.02 of interest that had accrued over two years, and nothing else.

I guess the hardest part is getting started with zero credit. I would mirror other advice here though, and start with Student Cards. If you have a job, then maybe the Wells Fargo with a min $3k income might be worth looking into.

Good luck

[jsucool76]

Wells fargo gave me their student card the other day with no proof of income, and I know that for a fact because the bank agent filled the app out for me and didn't ask me about any employment or anything. lol. 

[charleeislegend]

I just got the 5-7 day wait notice for discover too. Do I call them to see whats up? Or wait it out?

[jamie123]

Call the back door number and ask about the status of your application and if they might need any additional information.

Good luck!

[Exonumist]

I was in the same boat as you a little less then a year ago. I applied for a Chase card thinking it was almost guaranteed since my checking account with them had about five years of history. Declined. Then I tried a Citi student card. Declined for insufficient credit history. Then I tried a Capital One card thinking they would definitely approve me. Declined. At the time I didn't realize I could call them and try recon. I gave up on the apps and decided I would wait until my car loan was a little bit older as it was the only form of credit I had received. About three months later Cap1 sent me a pre-approved offer for a platinum card with no annual fee and I took it. That card had a crappy $300 limit and it's still only at $500.  A few months after that I applied for a Discover More Student card and was approved only after calling them. They gave me a $2500 limit. What I would do if I were you is go ahead and call Citi and Discover since you already applied with them. Use the backdoor numbers that are in this forum. They're stickied up at the top. If you get lucky they will just need more information and approve you. You may end up having them deny you though. If they deny you try a recon with a different person. Wells Fargo may be a good option for you. I never applied with them, but one of the personal bankers had told my Mom to tell me to come in and that she could almost definitely get me approved.

[Anonymous]

I am a student as well. You best shot right now is to get approved/recon with Citi and Discover.

I got Cap One Journey and Discover More (both for students) 15 months ago without credit history.

Crappy limits but you have to start somewhere.

Don´t apply if it´s not for students.

After a year of credit history go and apply to more student and some retail credit cards if you want to increase your CLs/get more cards.

What´s your income anyways?