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Today, I decided to apply for a credit card to help build up my credit rating. It seemed smart since I'm a 24 year old college graduate. I was rejected for not having a credit history. Being rejected turns out to hurt your credit history. The irony of my predicament is too great for words. FML
I don't understand this at all. Credit Card companies used to have people on my college campus all the time because, since most of us didn't have a credit history, it was easier to get credit cards.
Here's my advice. Open up a secured line of credit with your bank. You give them a certain amount of cash, and they put it on a card for you. That card works like a credit card on your credit score, but you don't get into crazy debt over it. It's prepaid.
Same thing with jobs when you're just of age -- no one wants to hire you cause you've got no work experience, but how are you supposed to get some, eh?
Speak your mind, but please try and be respectful.
Friday 7 March 2014