How does a beginner get started? He applied for a Freedom card, but was denied due to lack of credit history.
Thanks.
I'm sure there's a thread on this.
A) any mix of these.
-Store credit card will usually be approved. Use the card (even for a small amount) each month and pay on time.
-Authorized user on someone else's account. Bonus for old account.
-Secured credit card. They keep some money in an account. Usually that is the credit limit for the card. Use the card (even for a small amount) each month and pay on time.
B) after about 6 months, maybe as soon as 4, apply for a regular card. Chase is a harder bank. Discover, Capital One, others, may be easier.
Having a bank account at Chase may make it easier to get a card. And when you open an account, they may offer a credit card. But it may not push the card though anyway -IDK
Good luck.