Help choosing first card

[Anonymous]

Right now I'm an AU on one of my parents' Chase Slate card. Been on that for a few years, and got a credit report earlier in the year just to see what my report is looking like and the Chase is in good standing, no late payments or anything. Though not sure if it helps much since I'm just an AU. But right now I think it's time to get my own card.

Wondering if you all can help me out. Was looking into the Discover More or Citi Thank You Preferred.

Also checked out what cards my local bank has (Visa - Cash Rewards/Platinum Rewards/Platinum cards). No annual fee, 0% intro APR for 6 billing cycles, and 12.99-21.99% APR for cash/platinum rewards. Cash rewards: 1% cash back on net purchases; Platinum rewards: 1 point for ever $1 in net purchases.

Thanks for the help.

[espnjunkie]

You will want to start out with a student card perhaps since it your first non-AU card. Try Capital One or Discover perhaps?

[Anonymous]

Do you have credit score and if so, what? I think cards you are looking at likely too hard for you to get

[boomhower]

The Citi card isn't going to happen and Discover is not likely.  Those are cards you get after you show some experience with credit.  Is anything else showing on your credit report?  If your bank has a secured card start there instead of a subprime unsecured card.  If nothing else you could get a CapOne card.

[Anonymous]

I've been out of school (graduated) for a couple years now so I don't know if student cards are the best option.

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@Anonymous wrote:
Do you have credit score and if so, what? I think cards you are looking at likely too hard for you to get

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I haven't checked for a score, only the credit report. 

@boomhower only the AU is on there 

[espnjunkie]

Try for Capital One Cash Rewards for Newcomers card? No annual fee, it's unsecured, and will help build you some credit history. Expect a 500.00 limit that bumps up to 750.00 in 5 months. After 6 months with that you should be in good shape

[improvingmycredit]

Hey Wolvdj!!! Welcome to the forums!!
Have you by chance pulled your FICO score from this site? If not, I strongly suggest you do. It'll give you some sage advice about where you stand on your credit journey. If you do this- please share with us the info like: AAoA- score- inq. With this info- we here will be better able to give advice on which cards to start with. Being that you are an AU on some accounts- you might have some history to apply for some better cards to get started. Thanks and good luck!

[espnjunkie]

Being an AU can be a good way to start out, but lenders are not likely to grant approval for a prime card without first having your own credit card. I think the Cap One newcomers is the way to go. Is Cap One the best? No, but that card will certainly help you get started out and has no AF.

[improvingmycredit]

Being an AU on someone's established account can go a long way. I added my niece as an AU recently. Got an Amex Zync and Citi with no history of her own. I still think that it'd be best to know more info regarding actual FICO- AAoA- inqs- utility- before determining which cards to recommend. JMO.

[espnjunkie]

Even if ne could get approvals with no history of his/her own that doesn't make it wise to obtain too much credit right off the bat. Opening up a card with a smaller limit leaves less chance of screwing up early on and lets a person get used to making chrages, paying on time, checking transactions/statements for accuracy, etc. If it is the first account in your own name it is better to start learning with training wheels on than to start on a motorcycle as an analogy.