- Discussion board

Ok..

Im from the U.S, im 20 yrs old. i have a full time job, have a checking account with my bank., and im currently paying off a car loan from my bank.. ive never been late paying a bill..

but i cant seem to get a credit card.. keep getting denied.. and its bugging me.. because my bro, he's a yr older than me, same job, but, and is also paying a car loan... he some how got a credit card.. but i cant..and i cant figure that one out..

any advice would be very nice

m00ler

Hi,

Just browse around this board - there've been dozens of posts just like yours, for example:
>http://discuss.creditcardmenu.com/dccm/tz505.html

We always suggest for people in your circumstance to start with either a secured card or an unsecured credit card with a low limit. Since you don't seem to have any credit history established with the major CRA's, this is probably the best route to take.

Keep in mind, that both of these types of cards can have substantial fees associated with them so shop around and be wary of cards with steep fees.

For a secured card, make sure that the card reports to the major CRA's. Many of these secured cards offer a service that will report your credit history to the CRA's for a fee (yes it costs money). A secured card that doesn't report to the CRA's will do you little good.

Or you can try an unsecured credit card with a very low limit. First Premier Bank offers cards of this type and while there are most certainly exceptions, we have had good feedback from our users on these card offers in their efforts to rebuild their credit.

Happy hunting!

Bill H.