After being told I need a co-signer for the first BofA platinum plus card. I went to the branch to apply for a secure card...but the person helping me didn't seem to know what they where doing and went ahead and applied me for the cash rewards card...also I went to best buy. anywho, here's my summary.
BofA Platinum Plus: Not enough History for approval, co-signer needed.
BofA Cash Rewards?/Secure?: Still waiting 10 days...
BestBuy card: Denied.
Now I feel I should stop there but I want to try at least one more. Don't really want to end up empty handed.
Starting Score: EQ 602 (4/27/13) EX 647 TU 669 (1/12/14) Current Score: EQ 725 (5/2/14) EX 705 TU 716 (5/2/14)Goal Score: 720-750 all 'round
Were you rejected for the BOA Student Platinum Plus for not having enough history? That's fairly odd.
You should be approved for at least one student card. I would be cautious about continuing to apply simply because you "don't want to come up empty handed". From a creditor's perspective, it just makes you look desperate for credit and you don't want that.
Starting Score: 760Logan, I'm not sure what you mean by portfolio? I have no credit cards currently, and no history. Just a debit card with BofA + Checking/Savings with them.
Frogfan, Yeah I applied for the student Platinum Plus and they sent me a letter with forms to be filled out by a co-signer.
And it's not really that I'm desperate. I was just hoping I would at least get one after all the researching I did to find the right card 
lol
@NewKid4Credit wrote:Logan, I'm not sure what you mean by portfolio? I have no credit cards currently, and no history. Just a debit card with BofA + Checking/Savings with them.
Frogfan, Yeah I applied for the student Platinum Plus and they sent me a letter with forms to be filled out by a co-signer.
And it's not really that I'm desperate. I was just hoping I would at least get one after all the researching I did to find the right card
My very first card was the Capital One Journey, I was approved with a few prior inquiries, and absolutely no FICO score, as it was my first card. I also had the same mindset, I just wanted a gas card, like from Royal Dutch Shell, but was denied because I had no credit history. Just remember the triple pull Capital One does when you apply. I think though at this point, they would be a good match.
I hate to say this, but ignore anyone who says to stop in this instance. When you're building tradelines for the first time, you want to get as many as you need established right then and there, and let all the inquiries age together. This will put you in a much better place in a year or two when it comes to moving on to real cards (or at graduation, or whatever your plan winds up being).
You absolutely want more than one card for FICO purposes, and that's about as close to fact as we can get with our anecdotal information here on this forum. Get another secured card if necessary or find a student card that will actually approve you. BOFA is harder to get on pretty much all of their products than comparable products from other lenders.
@Revelate wrote:I hate to say this, but ignore anyone who says to stop in this instance. When you're building tradelines for the first time, you want to get as many as you need established right then and there, and let all the inquiries age together. This will put you in a much better place in a year or two when it comes to moving on to real cards (or at graduation, or whatever your plan winds up being).
You absolutely want more than one card for FICO purposes, and that's about as close to fact as we can get with our anecdotal information here on this forum. Get another secured card if necessary or find a student card that will actually approve you. BOFA is harder to get on pretty much all of their products than comparable products from other lenders.
For the record, all I said was to stop and look at his options 
But I agree with you on applying for what he needs, now. Letting the inquiries age together would really help you out in the long run.
The inquiries aging together makes sense, but how many is TOO many?, before I start getting denied for having too many inquires or something?
and so now the question is what to apply for?....again lol