18 Looking For a Credit Card

[ERICnAMBER]

OK look im 18 with no credit or little to no credit because i only have 1 bill but anyways i have tried to apply for a credit card and the Two i tried to fill out said i dont have enough credit built up so which credit card will let me get approved or none of them will? There has to be one to let me get one.

[jazzy3098]

OK look im 18 with no credit or little to no credit because i only have 1 bill but anyways i have tried to apply for a credit card and the Two i tried to fill out said i dont have enough credit built up so which credit card will let me get approved or none of them will? There has to be one to let me get one.

When I was first starting out after declearing Chapter 7 Bankruptcy I used a Secure Credit card that I had to pay $59.00 per year.  That card can be found at http://www.orchardbank.com  once you build up your credit then you can go to other low intrest cards like http://www.capitalone.com  Good luck to you and never forget becarfull of every thing you do on this site and all the offers there may be hidden fees in them so make sure that you read each offer and there TOS.

[Dragonmaster25]

One of the easier way might be to apply to a department store ones first and use those to establish credit...before you can just have your parents add you as an authorized user and leech off your parents credit score but the new system changed that. Wish you the best of luck.

[jazzy3098]

One of the easier way might be to apply to a department store ones first and use those to establish credit...before you can just have your parents add you as an authorized user and leech off your parents credit score but the new system changed that. Wish you the best of luck.

Dragonmaster25 I just saw your baner and you got a payout of over $500.00 how did you do that and how much cash out of pocket did you have to lay out?

[nicnat20]

From what I understand because the economy is so bad it is really hard right now for people to get credit cards. But you can go to any search engine and type in credit card offers

[mlbevins]

I would suggest trying to get a department store card or a gas card.  Don't get a card that you have to pay a fee for having, that's just crazy.  None of my credit cards have a fee other than interest.  My sister is going through the same thing right now.  My first credit card was a Visa through First National Bank of Omaha, and I got it when I was in college.

[bschumacher]

If you're still living at home, try having one of the utilities put in your name. Paying that bill every month will help you establish yourself as a creditworthy person. If you're on your own, having a job and paying your rent and bills on time (use checks, not cash) will achieve the same purpose. Good luck.

[al808]

u can apply for a prepaid card at walmart.Give them more than 20$. u will then get a personalized visa debt credit card in 7-14 days.use that at atms or buying stuff online like amazon or stuff like that.

[CappyBottoms]

Avoud Discover card, they were so hard for me to deal with and when I actually went to pay my remaining amount off they tried to talk me out of it. They are evil man.

[Kjdahlman]

I would try Orchardbank.com .... or capitalone.com

Also, you might try whatever bank you actually bank at.. they might be able to help you out!

[bkmikeyxd]

try citicards , get a student card, all you need to do is fax/mail them a copy of your school ID & tuition bill. and you get approved just like that. you'll probably start off with like 500$ limit but over time, you'll build credit and increase your credit limit & be able to get new cards. w00t

[carly5878]

I was always able to get a credit card with little to no backgound info.

I think my interest at 19.99 is really high, but atleast i can pay for school this way!

[omgitsalliex3]

When I was 18 (only a year ago) I applied for my first credit card with Bank of America.  I got approved immediately and I got an $800 limit.  Give them a try.

[amber_lynn_0724]

When I turned 18 I got 2 credit cards (I am now in debt, kept telling myself it wouldn't happen but then lost my job and couldn't catch up so watch out) but the 2 credit cards I got were from 1st Financial bank and they gave me a 150 dollar credit limit and the other was capital one and they gave me a 500 dollar credit limit.

[discardedheart]

u can apply for a prepaid card at walmart.Give them more than 20$. u will then get a personalized visa debt credit card in 7-14 days.use that at atms or buying stuff online like amazon or stuff like that.

not sure if a pre-paid card is what you're looking for,
but i've had a couple of them..
i find that they serve most purposes just as well an anything else.
and they're pretty safe.

mine were green dot.