DansDeals.com Forums

DansDeals Forum => Credit Cards => Topic started by: hocker on February 06, 2011, 03:03:29 PM

Title: Best FIRST Credit Cards
Post by: hocker on February 06, 2011, 03:03:29 PM
I have recently helped many Bochurim who had no credit history apply for their first card. the cards with the most success were as  follows:
The Citi Forward card which is the best: www.citiforward.com
The Discover Card which i`ll post the link later because they switched around the site.


Title: Re: Best FIRST Credit Cards
Post by: AsherO on February 06, 2011, 03:06:36 PM
I have recently helped many Bochurim who had no credit history apply for their first card. the cards with the most success were as  follows:
The Citi Forward card which is the best: http://citi.us/huXXHP
The Discover Card which i`ll post the link later because they switched around the site.

Referral link? :o

Citi URL shortening is hip :D
Title: Re: Best FIRST Credit Cards
Post by: hocker on February 06, 2011, 03:14:48 PM
Citi URL shortening is hip :D

What does that mean??
Title: Re: Best FIRST Credit Cards
Post by: AsherO on February 06, 2011, 03:23:29 PM
What does that mean??

It means that the use the domain Citi.us/wtvr to forward to http://www.citicards.com/cards/blahblahblah/whatever.
Title: Best FIRST Credit Cards
Post by: Cbs on February 20, 2011, 04:11:58 AM
I have recently helped many Bochurim who had no credit history apply for their first card.

If I just got approved for my first card (capital one) and I have no credit history - would it hurt me (like get denied) to apply other cards for example citi card etc...
Title: Re: Best FIRST Credit Cards
Post by: AsherO on February 20, 2011, 10:11:30 AM
If I just got approved for my first card (capital one) and I have no credit history - would it hurt me (like get denied) to apply other cards for example citi card etc...

Every application would be an inquiry, which would adversely affect your credit score.
Title: Best FIRST Credit Cards
Post by: Cbs on February 20, 2011, 04:37:39 PM
Every application would be an inquiry, which would adversely affect your credit score.

Can u explain that a little more? (simpler English ;) )  like R u advising not to until I build credit?
Title: Re: Best FIRST Credit Cards
Post by: mancunian on February 20, 2011, 10:59:45 PM
besides the inquiry, you would probably have better success in your application if you waited a couple months at least
Title: Re: Best FIRST Credit Cards
Post by: smiley face on October 23, 2011, 04:49:37 PM
wasn't sure if this is in the right place but didn't want to open a new thread
1 if i apply for cards and have no credit history will it affect my score?
2 i applied for a secured card and paying an annual fee of $39, is it ok to close my first cc after 1 year or even less?
Title: Re: Best FIRST Credit Cards
Post by: Cbs on October 23, 2011, 09:10:55 PM
wasn't sure if this is in the right place but didn't want to open a new thread
1 if i apply for cards and have no credit history will it affect my score?
if you will read a few posts up (http://www.dansdeals.com/forums/index.php?topic=5423.msg62437#msg62437) u will see:

Every application would be an inquiry, which would adversely affect your credit score.

2 i applied for a secured card and paying an annual fee of $39, is it ok to close my first cc after 1 year or even less?
i think secured cards have a certain time u must have it open.
Title: Re: Best FIRST Credit Cards
Post by: smiley face on October 23, 2011, 10:14:20 PM
If I just got approved for my first card (capital one)  and I have no credit history - would it hurt me (like get denied) to apply other cards for example citi card etc...
[/quote
Every application would be an inquiry, which would adversely affect your credit score.
i don't have a cc so i have no score to begin with?!

i think secured cards have a certain time u must have it open.
can anyone verufy this?
Title: Re: Best FIRST Credit Cards
Post by: Cbs on October 24, 2011, 05:37:45 PM
1st things first - learn how to quote things and after the quote right ur question.

2ndly from ur Q:
1 if i apply for cards and have no credit history will it affect my score?
you were not being clear that you dont have a CC. - it sounds like you are asking "if i apply for cardS (which means a few cards)" and that means you have a CC bec otherwise y would u apply for a few cards at once before u had one card?!

so now that you say you dont have one. so look around the forum to see what is a good CC to start with and use the answer that AsherO said (http://www.dansdeals.com/forums/index.php?topic=5423.msg62437#msg62437) and apply that to yourself as well.
Title: Re: Best FIRST Credit Cards
Post by: AsherO on October 24, 2011, 05:40:00 PM
...use the answer that AsherO said (http://www.dansdeals.com/forums/index.php?topic=5423.msg62437#msg62437) and apply that to yourself as well.

Thanks for the homage ;)
Title: Re: Best FIRST Credit Cards
Post by: Cbs on October 24, 2011, 05:46:05 PM
Thanks for the homage ;)
sometimes things have to be spelled out clearly for some people :)
Title: Re: Best FIRST Credit Cards
Post by: smiley face on October 24, 2011, 07:02:27 PM
ty for your responses (remember i'm new here so please be easy on me ;))
Title: Re: Best FIRST Credit Cards
Post by: Avid Reader on October 24, 2011, 09:34:45 PM
The 40K USAirways card form Barclays has been pretty good on approving customers with little or no credit. Just beware that you might not get the full signup bonus if they decide to give you a 'lower level' card.
Title: Re: Best FIRST Credit Cards
Post by: DovtheBear on April 04, 2013, 09:38:53 PM
I didnt want to start a new thread as there are a bunch of them already.
I am looking to get a First cc. no credit history etc. Will a kohls card work?
Title: Re: Best FIRST Credit Cards
Post by: MEIR613 on April 04, 2013, 09:44:15 PM
I didnt want to start a new thread as there are a bunch of them already.
I am looking to get a First cc. no credit history etc. Will a kohls card work?
Try a Macy's or Gap.

Make yourself an AU on someone else's account in good standing.
Title: Re: Best FIRST Credit Cards
Post by: DovtheBear on April 04, 2013, 11:41:21 PM
Try a Macy's or Gap.

Make yourself an AU on someone else's account in good standing.
I think Kohls might be easier, is that no good?
(whats an AU? im assuming an additional cardholder, but what does it stand for?)
Thanks
Title: Re: Best FIRST Credit Cards
Post by: michael on April 04, 2013, 11:42:34 PM
I think Kohls might be easier, is that no good?
(whats an AU? im assuming an additional cardholder, but what does it stand for?)
Thanks

Authorized User
Title: Re: Best FIRST Credit Cards
Post by: DovtheBear on April 04, 2013, 11:43:34 PM
Authorized User
Ahh. Thanks. Is that the same as additional cardholder?
Title: Re: Best FIRST Credit Cards
Post by: lcyitz on April 04, 2013, 11:55:33 PM
Ahh. Thanks. Is that the same as additional cardholder?
Yes
Title: Re: Best FIRST Credit Cards
Post by: DovtheBear on April 04, 2013, 11:56:18 PM
Yes
Thanks
Title: Re: Best FIRST Credit Cards
Post by: DovtheBear on April 05, 2013, 12:02:15 AM
A little bit off topic- is there something for under-18-year-old?
(i didnt try but kohls and macys dont seem to mind)
Title: Re: Best FIRST Credit Cards
Post by: raphy781 on April 05, 2013, 12:06:32 AM
A little bit off topic- is there something for under-18-year-old?
(i didnt try but kohls and macys dont seem to mind)
I was a cardholder on an amex account for a while before I turned 18. I'm not 100% sure about this, but if I recall correctly the account activity showed up on my report.
Title: Re: Best FIRST Credit Cards
Post by: MEIR613 on April 05, 2013, 12:06:44 AM
A little bit off topic- is there something for under-18-year-old?
AU
Title: Re: Best FIRST Credit Cards
Post by: DovtheBear on April 05, 2013, 12:12:33 AM
AU
Besides for that? does any store card allow under 18?
Title: Re: Best FIRST Credit Cards
Post by: MEIR613 on April 05, 2013, 12:15:36 AM
Besides for that? does any store card allow under 18?
AFAIK no
Title: Re: Best FIRST Credit Cards
Post by: DovtheBear on April 05, 2013, 12:16:58 AM
AFAIK no
Okay, Thanks.
Title: Re: Best FIRST Credit Cards
Post by: hocker on April 05, 2013, 12:58:05 AM
AFAIK no
IIRC Dan boasted about having one before 18. Try applying and put in a DOB that's a bit older.
Title: Re: Best FIRST Credit Cards
Post by: DovtheBear on April 05, 2013, 12:59:51 AM
IIRC Dan boasted about having one before 18. Try applying and put in a DOB that's a bit older.
Will that work, I dont want to do anything illegal?
Title: Re: Best FIRST Credit Cards
Post by: hocker on April 05, 2013, 01:04:49 AM
Will that work, I dont want to do anything illegal?
I don't see why it won't work. I'm not sure what legal means, it definitely isn't kosher ;)
Title: Re: Best FIRST Credit Cards
Post by: DovtheBear on April 05, 2013, 01:06:34 AM
I don't see why it won't work. I'm not sure what legal means, it definitely isn't kosher ;)
I meant both legal and ethical (should i put it in the: is that ethical thread? ;))
But also wont it catch up with you?
Cant they verify it via SSn?
Title: Re: Best FIRST Credit Cards
Post by: hocker on April 05, 2013, 01:09:13 AM
I meant both legal and ethical (should i put it in the: is that ethical thread? ;))
But also wont it catch up with you?
There's no-one playing Catch-me :D
Cant they verify it via SSn?
I'm assuming they don't.
Title: Re: Best FIRST Credit Cards
Post by: DovtheBear on April 05, 2013, 01:18:49 AM
There's no-one playing Catch-me :DI'm assuming they don't.
I hear you. I dont want to play that game, so ill try the kohls one, and if it doesnt work ill wait. Thanks again!
Title: Re: Best FIRST Credit Cards
Post by: HP58 on April 05, 2013, 01:02:29 PM
If I just got approved for my first card (capital one) and I have no credit history - would it hurt me (like get denied) to apply other cards for example citi card etc...
I got a Capital One card a few months ago then I applied for Discover it card 5 mo. later & was approved for $2000 :)