I have NO credit and I am a college student I keep getting denied for student credit cards?

June 16th, 2009 | by admin |

I am a freshmen in college all of my fiends are getting credit cards on their first and second tries, but I tried one after holding off for a year and a half after I turned 18 (im 19 1/2) i have been denied for everything from discover, visa, american eage, old navy, macys, capital one, whatever else! My aunt said to try to borrow like $100 from a small credit union in my medium sized town pay it off in like 6 months-but they said that I had to proove that I made $800 a month to get any money from them! I ebay a lot make a good deal of money i babysit a lot but my parents are well off cover everything else so i cant proove that I make $800. Also, i cannot ask my parents to co-sign for a bank credit card bc i dont want them to know if i get a cedit card. it is really none of their business-they are overbearing controling. I have applied for about 10 cards have been denied for all of them but JCPenney said that I would get a response in the mail-is that card hard to get? Any advice ANYONE?????? I plan to wait until about February to apply for another one but I just cannot believe that I am getting denied for STUDENT credit cards! I want to build credit i cannot get anyone to give me a chance. Any advice. please dont be mean guys! thansk!! :-)
I was deinied from the first one i do not know why. A friend was in the same boat w/out a card. Applied for one she got it! i have more bank accounts than she does too! I have cd’s worth thousands too!! Oh yes-I only want to charge like $25 a month to it pay it off the day the bill comes! I tried to check my credit report someone said something about you may or may not have applied for a home mortgage in August 2007 which bank was it through? But i didnt-is this just a security question to make sure that someone didnt take ss #?? It scared me, but i thought about it i think it was security. So everyone says wait at LEAST 6 months?? ok. thanks so much! I just wish i could get a card now! haha
The credit loader thing-is that one of those online scams? where they mail you a check it bounces you are out $5000.oo dollars?? I really do NOT want to borrow more than a few hundred dollars-that makes me nervous!! Any other ideas of how to apply for credit??
yes, but i got denied from the MTVu card. it was the first one I got denied from. Could something be wrong with my credit???
Thank you!! I was pre-approved for the orchard bank card but they wanted to know all of my bank account information they wanted $200 that is NONE of their business, no other card asks that. But thank you, you had the best information!

  1. 8 Responses to “I have NO credit and I am a college student I keep getting denied for student credit cards?”

  2. By Amy C on Jun 17, 2009 | Reply

    Each time you apply for a credit card and get rejected, that’s one more negative hit on your credit score. With the credit market tightening up right now, it’s hard to get a credit card without existing credit accounts. I suggest waiting another 6 months before you try to apply for another one in order to give your credit score some time to return to a higher number. And when you do apply again, go to your local bank and try to get one through them. If you have a checking or savings account with them, that really helps.

  3. By 38Angel on Jun 20, 2009 | Reply

    You should really check into your credit rate. I was able to get one no problem. My friend on the other hand could not. I was with him, when he applied for something, and they told him, he wold hear from them in about a week. So the week, cane, and the later said he had no credit, so they could not give him one. We found that strange, and he keep applying. After about the 10th time. I said why not check your credit report. It said on the report that he had cards, they were not being used. It turn out that his brother got cards in his name and open them, but did not use them. That could be one reason you can’t get a card. Also I don’t know, but he went to Fargo Wells, and they gave him a loan, they help him straighten everything out. He now has cards, in his name. It took like 6 months for this all to work out, but it does help.

    I hope that this helps, and good luck, I know that it is hard,

  4. By K D on Jun 22, 2009 | Reply

    1- check out your credit report and make sure someone else hasn’t been using your SS# to obtain credit.
    2- apply for an easier card such as a dept store. If you can get that request a max. of $500 or you may end up very sorry. This is a dangerous area for college students as you have no income and this can quickly get out of hand. Use the card to purchase a few things (under $100) and then pay it off in full immediately for a couple of months. This will help establish your credit and will make it easier to get a bigger name card – VISA or MC,

  5. By Sharon T on Jun 22, 2009 | Reply

    You are going about this all wrong. It is harmful to have all those credit inquiries on your credit file.

    Go to the bank where you have your account. Explain you want a credit card with a low limit. If you have managed your account without overdrafts or other problems, they may help you get a Mastercard or VISA. What you want is plain vanilla–no bells, whistles or annual fees.

    When you get it, use it only occasionally and pay it off in full when the bill arrives. Don’t run up a balance!

  6. By Kaska on Jun 25, 2009 | Reply

    stop applying. All those attempts puts a negative mark on your credit. Wait about 6 months to a year.

  7. By Sandra M on Jun 27, 2009 | Reply

    Here’s how you can establish credit immediately:

    1. Borrow at least $5,000. just to hold it on deposit and not touch it. If you agree to just hold the funds, you can get this loan with NO CREDIT CHECK from creditloader.com

    2. Make monthly payments for at least 6 months.

    3. Give back the deposit to pay off the loan.

    When you are done, your credit will show that you borrowed the $5,000. and paid it back ahead of time. THAT’S HOW TO BUILD CREDIT.

  8. By Mike on Jun 27, 2009 | Reply

    Have you checked out the popular student credit card tool online? All my friends at college recommended the site (in the source) It allows you to check out cards built for people with no credit.

    I highly recommend you check out the MTVu card. It has no minimum income requirements and many students have a great approval rate for this particular card. Good luck!

  9. By Cisco Pike on Jun 29, 2009 | Reply

    It may be easier to get a fair,or bad credit card to start of with.The rates are a little higher but you will get better offers later and they are fairly easy to get.This site has 30-second decisions so you know right away:

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