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Best first credit card for college student with little/no? credit history

tommyphammy 662 162 June 17, 2012 at 08:48 PM
Hi so I'm a college student and I finally decided I probably need to get a credit card and start building some credit. I figured SD would know which card would be the best for me. FYI I have no credit history at least I don't think I do... Any tips would be greatly appreciated or even pointing me in the right direction. Thanks guys Big Grin

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There are many student credit cards out there or at least many cards that help you begin your credit history.

Discover - This is probably the easiest among all credit cards to get. You simply apply online and they practically approve anything. Their credit line is $500 though.

TD Bank - TD bank has student credit cards as well but judging by the fact you have no credit history, you would need to get one of those cards that "rebuilds" your credit. Those credit cards you put down some money and what that does is ensure that you pay your bills. If you don't it would just deduct from that amount.

Capital One - They offer something similar to TD bank's rebuilding credit card.

Bank of America - They offer something similar to TD Bank and Capital One except the amount you first put down might be different.

Chase - This is probably the hardest of all the major banks to get a credit card. With no credit history, they usually do not approve. (I am talking about the Chase Slate). However, you may get the Slate card approve if you get a Chase manager to write a letter to Chase stating you are a student and have no credit history.

CitiBank - This credit card is fair when it comes to obtain. They major requirement is that you need to show that you have enough income to pay your bills for the two different student credit cards.

My recommendation is go for Discover if you don't have a job. If you do, then you should get the Citibank one, they have the most benefits.
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