Originally posted by Kremithefrog:
I want a credit card just to help start establishing some credit. I want one with no yearly payment and I'd prefer one with some sort of reward for spending money but it's not a must.

I've already been denied one from chase.

Any ideas?



I was exactly in your situation some 5 yrs ago.
Applied for a bunch of "You've been pre-approved" spam crap, was turned down on each of them.
After that I started doing my homework and reading up on it.

I opened a secured credit card with $200 at CapitalOne and used it occasionally for about 6 months, always paying it in full.

After 6 months, applied for Discover (I was told that they liked full-time students at the time) and got a card with $5000 limit and cash-back.
Used the Discover extensively for a year, always paying it in full.
After that, I got all the fancy reward cards I applied for.

As I understand, you have to "get into the system" somehow (secured card), and after that it just takes time, 6 months the least.

I had good experiences with CapitalOne in general, and bad experiences with my local bank (AmSouth).

HTH,
Tiv