My AAoA will finally hit 1 year, next month. What cards should I start looking at?

[WallyxD]

As mentioned in the title, my AAoA will hit 1 year, which I've seen on here is when one should start looking at Primes, if they haven't got any yet.

I am a student.

INQS: TU, 14   EX, 6  EQ, 4

Income: around 8000 (part time worker)

Util will be at 53% this month, will definitely get that to <10% by the time I hit 1 year.

I owe about 15k in student loans, all of which has been deferred

Reasons for denial for my past two apps

Discover iT: (Applied January 29th 2013)

Too many inqs within past 24 months

Insufficient history for bank revolving trades

Too many inqs within past 6 months

PNC (my own bank) lol: (Applied January 23rd 2013)

Length of time accounts have been established

Proportion of loan balances to loan amounts is too high

Length of time revolving accounts have been established

Proportion of balances to credit limits is too high on bank revolving or other revolving accounts

[09Lexie]

What cc's do you currently have?

[enharu]

How many inquiries do you have?

[WallyxD]

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@09Lexie wrote:
What cc's do you currently have?

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How could I forget that? Haha

CapOne Journeys (Got in Dec 2012): $300 limit

American Eagle Store CC (Got in Sept 2012): $300 limit

[WallyxD]

@enharu wrote:
How many inquiries do you have?

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INQS: TU, 14   EX, 6  EQ, 4

[enharu]

Some banks may decline you for having accounts opened recently, especially when your credit history is so thin.

What is the age of your oldest account?

Just saw your inquiries listed. My bad sorry.

[09Lexie]

IMO, your scores are low due to the inq's and recent apps. You need to Garden these accounts until their year mark (Sept) and then you might be in a better position for a 'prime'.

[WallyxD]

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@enharu wrote:
Some banks may decline you for having accounts opened recently, especially when your credit history is so thin.

What is the age of your oldest account?

Just saw your inquiries listed. My bad sorry.

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My oldest account is a student loan, 1 year and 8 or 9 months

[enharu]

Hmm IMO i would just garden and wait until your revolving accounts are about a year old. You can check out discover student (I assume u applied the normal version the last round), citi forward for students, Wells Fargo college and BofA college cards, after your revolving accounts are >6 months at least.

You could also try get a secured card. Capitalone and us bank have credit builder cards that you can check out as well and some of them might be unsecured.

Most importantly though, you have too many inquiries for someone whose file is so thin. Wait until the inquiries are >1 year old preferably, if not at least 6 months

[b_seeker]

What are the inqs from? Mostly curious about the 14 on TU.