Thread: Willing To Pay, Lack of Opportunities

I understand Credit Cards have high interest rates. I've seen 9.9% fixed APR from First Premier Bank, up to 22% APR. I've seen a few fee's, up to almost $200 just to start...

I would handle a 50% APR, I would handle $300+ fee's JUST to get started. I'll take $100 annual fee, I'll take $15 monthly fee..

But the problem is.. I'm almost 20.. With absolutely credit. I've applied for credit cards that are good for people with low credit, to people with no credit, and I get rejected from missing credit. -.-

Anybody have any suggestions? Or is my only option to go out of my way and drive around 100 miles just to find some sort of bank for a secured card? (Which seems completely ridculous. It's like Bribing and having the charge fee's and interest ON said bribe)

E-mail me please, "Orothe_Naroom@hotmail.com"

Orothe - do you have an active checking account? If so, do you have overdraft protection on your debit card? That is a good way to get credit established.

There should be some secured credit card options available at any local bank. I'm not sure why you say you have to drive 100 miles to get one. That's also a good way to go.

I would stop applying for anything else for the time being, though, because each inquiry dings your scores (even if you don't have them yet).

Good luck!