Credit cards 101
January 3, 2010 5:28 PM Subscribe
How and where to apply for a credit card?
posted by sarahj to Work & Money (14 answers total) 8 users marked this as a favorite
I'm a credit-cardless college student. Currently I have a joint debit/checking account with my mom that I'm the sole user of, and nothing else. I am very good with my money, have a good amount of savings and have no loans and also no previous credit-related infractions (at least not that I know about).
Over the summer I applied online for the amazon.com credit card, was rejected after a month or so, poured out my heart into a reconsideration letter, sent it in, and have since (unsurprisingly) heard nothing. I want to try applying for another credit card but I have a million zillion questions and confusions about this.
Is it too soon for me to apply for another card? I last applied in August.
My bank doesn't have a credit card program (that was going to be my next step). How can I find legitimate student credit card programs or ones that would be likely to ... accept me? There isn't really a particular store I like, but would a store credit card program be a good idea?
I want to apply for a credit card in person, right? Could that have been a reason why I was rejected for the Amazon card?
Should I check my credit score even though I don't think I have any credit? (how do I do that?)
And also, assuming I end up applying for another card soon: would it be a better idea to list my school address (where I get my mail and will be living until summer) or my home address (where my parents get the mail and they will be living there indefinitely) on a credit card application?
Thanks so so much!