@duddydee123 wrote:hi, im 27 year old and recently became a US citizen, i live in FL, i have a empty report with a only 2 authorized user credit card accounts, 1 for 14k 7 years old and 1 for 20k 5 years old.
where should i apply for my first cards? thank you!
We'll need a bit more detail than that.
What do you expect to spend most money on? What is your approximate annual income? Do you travel a lot? Do you prefer points or cashback?
https://www.capitalone.com/credit-cards/preapprove/
Try the Capital One pre-qualify. You don't have to go through with it and it won't affect your credit. Capital One and Discover are generally the easiest to get approved for.
I agree with kforce on store cards, it should be pretty easy to get a few of those with starter limits like 300 - 500.
Dont expect giant starting limits on any cards with an anemic profile unless you have thurston howell the 3rd type income.
Time flies, dip your toes in the water and prove to creditors you can manage credit and the starting limits should get larger as time goes by.
@duddydee123 wrote:Hi, thanks for your reply, I would like to receive a card with a high credit limit and good rewards but most importantly any card of my own so that I can start building my credit.
I do travel often so that would be a good spend category for me. Thanks again!
Yeah we'd have all liked that too but sadly with basically no file that's not going to happen for you or anyone. If you can get a non-secured starter CL card it's probably going to be in the $300 range and a big maybe $1,000 range if you really luck up. Look at preapprovals on Discover and Capital One. You may though have to go the Secured card route to start where you basically give the bank your CL to hold in escrow against the card. You also may have some luck with Subprime lenders like Credit One or Mission Lane. Both, especially Credit One have a lot of negatives BUT they will help you get your credit jump started and built and then you can drop them later. Good luck.
