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

by creditwhore / 02/24/2010 at 2:13pm / United States (Missouri) / Money

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  • 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.

    #14 - On 02/24/2010 at 5:19pm by idkweird

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  • Depending on who you're banking with you can get this card that is sort of your training wheels for the future. You put 200$ in an account then they give you a card with a 200$ limit to use. If you use this card correctly they will then give you a full fledged credit card. Look into it, it sucks but in the end it's worth it.

    #15 - On 02/24/2010 at 5:22pm by Zwingend

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