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Where and how do I apply for a credit card with a co-signer? I am a fresh out of college and in... |
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Date:
October 29, 2008, 5:22 pm |
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Where and how do I apply for a credit card with a co-signer? I am a fresh out of college and in the work force but have no credit history and no one will approve me for a credit card on my own. |
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Answer:
There is no point thinking you won't be approved. If, while at college, you took out a student federal loan and made payments on it, then there is already a valid credit score in your name. Then, you have a job which means you can make payments on a regular credit card. We can suggest you Capital One credit cards which offer low-limit deals to young people and approve them with or without a co-signer. If you want to play safe, you may contact the bank to know if the allow co-signers before you apply. Capital One Platinum - Visa is a low limit ($300-$3 000) credit card for those who want to build credit. It can approve you even if you've never had credit card, but you should have at least some payment records in your name (cell phone bills, personal loan payments, federal student loan payment history). It is a low APR credit card with a moderate annual fee. Capital One Standard Platinum offers the same credit limit and does not charge annual fees. Its purchase APR is a bit higher but you'll save through the 0% intro period. The same eligibility requirements apply. These are best cards to get in your situation. If you fail, the only option remaining is to apply for a secured card. Consider Black Diamond Visa® from Millennium Bank as your first bank card to start building payment history. |
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