LogFAQs > #961082352

Doe posted...

I've applied to both big credit card companies and little local credit unions and I'm denied every time. I guess because I'm 21

Get one of your parents to take one out in your name so you can start building your credit. Next option is to get a capital one secured credit card, if you get this card NEVER get rid of it. I got rid of mine cuz it was only $200 credit line but did not realize it was my longest line of credit, dropped my credit score a good chunk(did not help that paypal dropped me around the same time too for not using their credit enough) so ya paypal credit is another option, i think they offer a card and also are not that picky with who they give credit to. In 2-3 years you should qualify for a good credit card like the chase freedom card which gives 1%-5% cash back on every purchase. Thats why i had mentioned to get a solid bank, yes chase bank costs money, but it is totally worth it at only $5 a month what you get from them is quality.