Getting your first card?

[Anonymous]

So I just turned 19 this month and I wanted to start building my credit I applied for the NRA card because I'm a member and I got denied my question is what is a good card to apply for if you dont have a credit score?

[Anonymous]

capital one or bank of america secured cards seem to be good credit builders. they require a deposit to get started.

[Anonymous]

What about a store card like cabelas or something I can care less about the rewards but a deposit seems alittle rediculouse.

[Anonymous]

you get it back if you dont screw up payments. After a few month to a year, they usually bump you up to a revolving credit card. Store cards hold the same standards as other cards. Secured cards are for young people or people bouncing back from horrible credit.

[Anonymous]

How much is the fee usually and what card is a good card to start with. I heard retail store cards are easy to get.

[Anonymous]

I got my first card at around 19 or 20. Discover. From what I understand, they are pretty good for first time applicants and it isn't secured. I used it like a debit card and paid it off every month in full. Now that  I'm looking at finally spending those reward points.

If your goal is solely to build credit, I don't see why one card would be better than another. It depends on how you use it. 

[myjourney]

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@Anonymous wrote:

So I just turned 19 this month and I wanted to start building my credit I applied for the NRA card because I'm a member and I got denied my question is what is a good card to apply for if you dont have a credit score?

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With no credit score I would recommend going secured card for 6 months 

https://www.sdfcu.org/emv-creditcards

No HP required 

Reports to all 3 

Great rate 

Easy approval 

[Anonymous]

well isnt there a limit you can apply for like 3 cards every quarter wont hurt your credit score?

[Anonymous]

no

[Anonymous]

I thought applying for to many cards within a short period of time and getting denied hurts your credit?