Credit Card...easy approval

RRGOO7 · 03-08-2008, 09:39 AM

Im 18 and looking to get a credit card. .Anyone know of a card that approves people with no credit?

BlackSapphireZ · 03-08-2008, 09:51 AM

do u go to college cuz they have it setup beginning of fall semesters usually
and it's guaranteeed approval with like 200000% apr lol

RRGOO7 · 03-08-2008, 09:53 AM

Im a senior in highschool...no college yet

Etnies · 03-08-2008, 09:58 AM

Talk to your parents.

ZJP · 03-08-2008, 10:06 AM

Capital One approved me when I was 18 w/ no credit. Give that a try.

Acuracy · 03-08-2008, 11:14 AM

Quote:

Originally Posted by Zachp911

Capital One approved me when I was 18 w/ no credit. Give that a try.

+1..same here, they also gave me a 500 limit. I used that for a while to start building my credit.

stooken · 03-08-2008, 12:19 PM

holy shit you're 18 randy? wow

the EASIEST way for you to get a card would be to have your parents add you under their existing account. only bad part is that they can easily keep track of your spending.

2nd way would be to apply for any student credit cards. most banks have them. the limit would be no more than $500 with interest around 15-20%. stick with it for about a year then you can upgrade.

sinnet112 · 03-08-2008, 01:11 PM

Bank of America gives you a CampusEdge checking account and a Platinum Plus Visa designed to build credit. However, I'd advise you to open up a student checking account with whatever bank your parents have. Most banks have them.

AndrewAZ · 03-08-2008, 03:05 PM

Just about any credit card company will approve you... Especially just turing 18 and going into college.. Its kind of a shame.. They know younger folks dont know about credit cards and are irresponsible and try and take advantage of that. I know this sounds odd but each year a lot of college students end up committing suicide because they go so far into credit card debt.

Just be careful, never spend more than you have in your bank account thinking well I have a month to get the money ect.

Desi · 03-08-2008, 03:13 PM

Bank of America operates as MBNA in Canada. They will approve absolutely anyone. I have seen unemployed friends from clearly low-income backgrounds get $500 credit limits no questions asked, so long as they were still in school (high school at the time) and over 18.

chrisE92 · 03-08-2008, 04:25 PM

wells fargo gave me a college student credit card.. my credit line is $1500

imolazhp_ci · 03-08-2008, 04:29 PM

a credit card from a bank you have history with is the easiest way. or capital one. but i highly advise against capital one. if you bank with bank of america, go talk to the bank manager and sign up for a BOFA CC.

imolazhp_ci · 03-08-2008, 04:31 PM

and for reference, getting a card in your name under your parents accounts does not do anything whatsoever for your credit. except build theirs.

SES_D · 03-08-2008, 05:09 PM

credit union or bank account with debit/credit

JayeJaymes · 03-08-2008, 05:47 PM

+1 on capital one, they approved me for a $750 credit limit, however if you bank with bank of america, i reccomend getting thier american express card, they give you a great credit limit by the way....

ZJP · 03-08-2008, 05:56 PM

I forgot to mention I also got approved for a Citibank Platinum Select students Mastercard with a $500 limit.

I suggest opening up a free checking/savings account with a bank.

ChaneRZ · 03-08-2008, 06:41 PM

do capital one first then citibank.

RRGOO7 · 03-08-2008, 07:17 PM

I have had a campus edge check account with bank of America for about 6 months ....I tried capital one and said they couldn't approve me...I applied for the Bank of America card just now and I think they approved me...

kpzypher · 03-09-2008, 04:42 PM

If you wan't to build credit and get a credit card, you can go to the bank put money down and that will be your credit limit. It's a good way to start building up credit.

DasBlitz · 03-09-2008, 04:55 PM

I am going to be doing deposit credit card. Basically means you put down anywhere from 200-2,000 and thats your limit. within 6 months you usually get accepted for a real card and get your cash back.

Its smarter because you cant go over and its your money so you most likely would be smarter with it.

imolazhp_ci · 03-09-2008, 05:18 PM

Quote:

Originally Posted by DasBlitz

I am going to be doing deposit credit card. Basically means you put down anywhere from 200-2,000 and thats your limit. within 6 months you usually get accepted for a real card and get your cash back.

Its smarter because you cant go over and its your money so you most likely would be smarter with it.

thats called a secured credit card.

DasBlitz · 03-09-2008, 05:38 PM

Quote:

Originally Posted by imolazhp_ci

thats called a secured credit card.

Yes, and its exactly like i stated. Perfect for young kids i think.

03-08-2008, 09:39 AM	#1
RRGOO7 Colonel 376 Rep 2,451 Posts Drives: GTR Join Date: Dec 2006 Location: Miami FL iTrader: (13)	Credit Card...easy approval Im 18 and looking to get a credit card. .Anyone know of a card that approves people with no credit?
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03-08-2008, 09:51 AM	#2
BlackSapphireZ Major 108 Rep 1,191 Posts Drives: 22 GLE 53 Coupe Join Date: Aug 2007 Location: Ladson, SC iTrader: (0)	do u go to college cuz they have it setup beginning of fall semesters usually and it's guaranteeed approval with like 200000% apr lol __________________ 2022 GLE 53 Coupe
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03-08-2008, 09:53 AM	#3
RRGOO7 Colonel 376 Rep 2,451 Posts Drives: GTR Join Date: Dec 2006 Location: Miami FL iTrader: (13)	Im a senior in highschool...no college yet
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03-08-2008, 09:58 AM	#4
Etnies Private First Class 1 Rep 127 Posts Drives: . Join Date: Oct 2007 Location: . iTrader: (0)	Talk to your parents.
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03-08-2008, 10:06 AM	#5
ZJP Lieutenant Colonel 136 Rep 1,759 Posts Drives: F10 535xi / B6 S4 Join Date: Jan 2008 Location: LI, NY iTrader: (7)	Capital One approved me when I was 18 w/ no credit. Give that a try.
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03-08-2008, 12:19 PM	#7
stooken Brigadier General 186 Rep 4,243 Posts Drives: E70 X5 Join Date: Apr 2007 Location: NOR*CAL iTrader: (2)	holy shit you're 18 randy? wow the EASIEST way for you to get a card would be to have your parents add you under their existing account. only bad part is that they can easily keep track of your spending. 2nd way would be to apply for any student credit cards. most banks have them. the limit would be no more than $500 with interest around 15-20%. stick with it for about a year then you can upgrade. __________________ 2010 E92 BSM 335i \| M-Sport \| ST Coils \| Linea Corse Lemans \| Cobb AP \| BMS DCI \| Cyba Tips
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03-08-2008, 01:11 PM	#8
sinnet112 Major 31 Rep 1,118 Posts Drives: 2009 E89 Z4 Join Date: Dec 2006 Location: NJ iTrader: (1) Garage List 2007 335i Coupe [0.00] 2007 328xi Sedan [0.00]	Bank of America gives you a CampusEdge checking account and a Platinum Plus Visa designed to build credit. However, I'd advise you to open up a student checking account with whatever bank your parents have. Most banks have them. __________________ Z4 sdrive30i \| Deep Sea Blue \| Ivory White Nappa Extended Leather \| ZSP
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03-08-2008, 03:05 PM	#9
AndrewAZ Major 140 Rep 1,243 Posts Drives: 335i Join Date: Jan 2007 Location: CA iTrader: (0)	Just about any credit card company will approve you... Especially just turing 18 and going into college.. Its kind of a shame.. They know younger folks dont know about credit cards and are irresponsible and try and take advantage of that. I know this sounds odd but each year a lot of college students end up committing suicide because they go so far into credit card debt. Just be careful, never spend more than you have in your bank account thinking well I have a month to get the money ect.
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03-08-2008, 03:13 PM	#10
Desi Lieutenant 17 Rep 441 Posts Drives: 2014 435i M-Sport X-Drive Join Date: May 2007 Location: Ottawa, Canada iTrader: (4)	Bank of America operates as MBNA in Canada. They will approve absolutely anyone. I have seen unemployed friends from clearly low-income backgrounds get $500 credit limits no questions asked, so long as they were still in school (high school at the time) and over 18. __________________ 2014 BMW 435i XDrive M-Sport - Delivered May 2014 2007 BMW 323i - Delivered April 2007
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03-08-2008, 04:25 PM	#11
chrisE92 Brigadier General 251 Rep 4,494 Posts Drives: Monaco Blue E92 Join Date: Sep 2007 Location: LA to HB iTrader: (21)	wells fargo gave me a college student credit card.. my credit line is $1500
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03-08-2008, 04:29 PM	#12
imolazhp_ci Major 29 Rep 1,002 Posts Drives: Z4 M Coupe Join Date: Jan 2007 Location: orange county iTrader: (0)	a credit card from a bank you have history with is the easiest way. or capital one. but i highly advise against capital one. if you bank with bank of america, go talk to the bank manager and sign up for a BOFA CC.
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03-08-2008, 04:31 PM	#13
imolazhp_ci Major 29 Rep 1,002 Posts Drives: Z4 M Coupe Join Date: Jan 2007 Location: orange county iTrader: (0)	and for reference, getting a card in your name under your parents accounts does not do anything whatsoever for your credit. except build theirs.
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03-08-2008, 05:09 PM	#14
SES_D pewpew 490 Rep 21,164 Posts Drives: F10 535i Join Date: Aug 2006 Location: San Francisco iTrader: (26)	credit union or bank account with debit/credit __________________ LTMW
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03-08-2008, 05:47 PM	#15
JayeJaymes Alien 52 Rep 1,190 Posts Drives: YMB 2016 M4 Join Date: Jul 2007 Location: AZ iTrader: (8) Garage List 2007 BMW 335i [0.00] 2011 M3 [0.00] 2016 M4 [0.00]	+1 on capital one, they approved me for a $750 credit limit, however if you bank with bank of america, i reccomend getting thier american express card, they give you a great credit limit by the way....
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03-08-2008, 05:56 PM	#16
ZJP Lieutenant Colonel 136 Rep 1,759 Posts Drives: F10 535xi / B6 S4 Join Date: Jan 2008 Location: LI, NY iTrader: (7)	I forgot to mention I also got approved for a Citibank Platinum Select students Mastercard with a $500 limit. I suggest opening up a free checking/savings account with a bank.
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03-08-2008, 06:41 PM	#17
ChaneRZ If You Aint First, You're last !!! 100 Rep 2,508 Posts Drives: 08 BMW 335i, 01 Honda Prelude Join Date: Sep 2007 Location: California iTrader: (0)	do capital one first then citibank. __________________ 08 BMW BSM 335i 6MT (Sports, Premium, NAV, PDC, AS, IPOD, HD Radio, Rear Sunshade, OEM Alarm) Angel iBright V3, Luminics Fog Bulb, Turbo Tuner, K&N Drop in Filter, Dinan Exhaust, Dinan Pedals, Vorsteiner CF Front Lip, and CF Rear Diffuser. Ordered:08/25/07 Started: 09/09/07 Finished: 09/14/07 On Ship: 09/15/07 Arrived: 10/08/07 Delivered: 10/10/07
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03-08-2008, 07:17 PM	#18
RRGOO7 Colonel 376 Rep 2,451 Posts Drives: GTR Join Date: Dec 2006 Location: Miami FL iTrader: (13)	I have had a campus edge check account with bank of America for about 6 months ....I tried capital one and said they couldn't approve me...I applied for the Bank of America card just now and I think they approved me... Last edited by RRGOO7; 03-08-2008 at 07:44 PM..
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03-09-2008, 04:42 PM	#19
kpzypher Private First Class 20 Rep 181 Posts Drives: 335i Join Date: Sep 2007 Location: Mannheim, Germany iTrader: (0)	If you wan't to build credit and get a credit card, you can go to the bank put money down and that will be your credit limit. It's a good way to start building up credit.
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03-09-2008, 04:55 PM	#20
DasBlitz Major 65 Rep 1,141 Posts Drives: bmw 328i 07 Join Date: Jan 2007 Location: new england iTrader: (1) Garage List 2007 328i [0.00]	I am going to be doing deposit credit card. Basically means you put down anywhere from 200-2,000 and thats your limit. within 6 months you usually get accepted for a real card and get your cash back. Its smarter because you cant go over and its your money so you most likely would be smarter with it. __________________
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