Best Credit Cards To Apply For After Daca

[Calidreamer 100]

I'm a strong believer that Money is King and I like to invest and watch my finances carefully; I saved enough and bought my car cash (it wasn't an old car) did the same with everything I own. It is hard but very possible; the problem comes when you need the vehicle NOW 'cause you have to move from home, work and school that is when credit comes in handy, You can buy a house too But since you aren't "building your credit" you will need to find a mortgage company that does actual underwriting, and you would have to have a good down payment, obviously you won't get too big a loan.

Like I said don't bite more than you can chew; I'm sure you have read Ramsey's statistics @ Afrosana you can see that there are people who is able to use CC and be smart about it, so I'm just giving my fellow DREAMers the benefit of the doubt.

BTW I could not view the video

[Rawf 336]

I'm a strong believer that Money is King and I like to invest and watch my finances carefully; I saved enough and bought my car cash (it wasn't an old car) did the same with everything I own. It is hard but very possible; the problem comes when you need the vehicle NOW 'cause you have to move from home, work and school that is when credit comes in handy, You can buy a house too But since you aren't "building your credit" you will need to find a mortgage company that does actual underwriting, and you would have to have a good down payment, obviously you won't get too big a loan.

Like I said don't bite more than you can chew; I'm sure you have read Ramsey's statistics @ Afrosana you can see that there are people who is able to use CC and be smart about it, so I'm just giving my fellow DREAMers the benefit of the doubt.

BTW I could not view the video

Exactly. Well put!

Spending is investing, if we don't invest then companies go out of business and that would ruin the country. Either way like Calidreamer said, "don't bite more than you can chew".

[edxxx 9]

Wow, I can't even get approved for secured credit cards...wtf?

[Rawf 336]

Wow, I can't even get approved for secured credit cards...wtf?

There must be a reason behind it.

Do you have a checking and/or savings account?

Do you have a job? Do you get paid more than 14k a year?

Which credit card(s) are you trying to apply for?

Any debts under your name?

[edxxx 9]

There must be a reason behind it.

Do you have a checking and/or savings account?

Do you have a job? Do you get paid more than 14k a year?

Which credit card(s) are you trying to apply for?

Any debts under your name?

I applied for the citi one and Bank of America secured cards...I do have checking/saving with BoA for about 6 years now. I've been employed for 6 years at the same place and make about 30k a year. No debts.

I will try going to Bank of America tomorrow and see why I wasn't approved.

[Rawf 336]

You've been employed at the same place with a fake ssn, it won't show on your real ssn.

Just give them a call, I'm sure they will approve you for something.

After all you've been a customer for years.

[Fredo87 34]

Well here is the thing: why do you need to buy a BRAND new car where you will be forced to have credit?? getting a brand new car is not the only way Dave Ramsey teaches a different method to purchase a car, which is to save up, get a used car that's worth anywhere from 1000-3000 the use his method. that's what I just did/ Last week I bought my car for 3200 that I had saved up in the past year. It sounds crazy, but i promise you it's possible. If you still disagree with me, that's fine of course! All I can say, is that if you want to disagree with me and have a valid reason, read the book first that way you can actually point out specifics, because everything you mentioned (car, home, build credit) are the SPECIFICS that Mr. Ramsey proves wrong.

Sweety don't try that with me I am not child lol. Finance is my thing (FYI I am an accountant major) you want to talk about reading a book to "point out specifics" please do not insult my intelligence with that comment.

Perhaps you are happy with your used car but I perfer my nice new car that I deserve after all of my hard work and I am not that foolish, know my limits. I have a clear knowledge of what I can and can not afford. I have owned cheap used cars just like the one you are starting with and I ended up spending more money into them with all the repairs. After all the money i have put into them I could have paid for a new car. One can start off small but as life goes on and your life progresses you need to move on to bigger and better things.

Let me ask you a question what does your book say about buying a house? Does it tell you to get rent an apartment for the rest of your life? Or are you going to save money for for 50 years and still not be close enough to buy a house? Perhaps you might not see but in order to better yourself you need to have good credit. Yea if you go crazy maxing your credit cards knowing that you can't pay them off of course you will end up in debt and will need to read that book because your have ruined your ability to progess in life and better oneself.

But hey everyone has the right to their own oppinion lol So more power to you and me for having different ways of thinking

[chrzt1an 14]

it was a no go with bank of america. and i been a customer for years, so that does not matter.

[Afrosana 17]

Sweety don't try that with me I am not child lol. Finance is my thing (FYI I am an accountant major) you want to talk about reading a book to "point out specifics" please do not insult my intelligence with that comment.

Perhaps you are happy with your used car but I perfer my nice new car that I deserve after all of my hard work and I am not that foolish, know my limits. I have a clear knowledge of what I can and can not afford. I have owned cheap used cars just like the one you are starting with and I ended up spending more money into them with all the repairs. After all the money i have put into them I could have paid for a new car. One can start off small but as life goes on and your life progresses you need to move on to bigger and better things.

Let me ask you a question what does your book say about buying a house? Does it tell you to get rent an apartment for the rest of your life? Or are you going to save money for for 50 years and still not be close enough to buy a house? Perhaps you might not see but in order to better yourself you need to have good credit. Yea if you go crazy maxing your credit cards knowing that you can't pay them off of course you will end up in debt and will need to read that book because your have ruined your ability to progess in life and better oneself.

But hey everyone has the right to their own oppinion lol So more power to you and me for having different ways of thinking

Okay, I'm not trying to insult your intelligence. If you feel that way, I honestly apologize-- that was not my intention. Also, I never called you a child or anything similar to that, so that being your first reaction makes me wonder others have treated you that way before?? You sort of said that out of no where....

But here is my main point: why ask me what the book says, whereas if you really are that interested or that disappointed with Dave Ramsey's point of view, read the book or research and let's have a settled and organized debate based on specific points we both read and want to point out Second, I'm actually a little surprised that you being an accountant major haven't heard of Dave Ramsey. This whole post may actually have value now because it introduced to you another point of view where in a future when you have customers coming to you because you'll be a successful accountant, you will have knowledge about the subject and teach them why Dave Ramsey is wrong.

The last thing I want to say is, a learned of Dave Ramsey from my mentor, not from a random college student that pointed me to a book in barnes and noble. My mentor is an undergraduate alumnus from Princeton University and a graduate alumnus from Harvard University, who is CEO of a Financial Services Company and has been working in the finance area for almost 20 years. When you want to learn to succeed, you need to seek the person that already reached success. Why would anyone listen to someone's "success strategy" when they haven't even reached success themselves Dave Ramsey reached success.... so did my mentor. Which is why I have taken to heart what they tell me.

This is my final post by the way, so feel free to argue back and pour out your heart because It will be the last one. I really do hope you read the book, for whatever reason, but that you read it so you have a solid foundation on either point of view you pick.

Above all, I wish you all the success in the world and that you will take care of your future with the choices you make today to be able to stand out and enjoy success!!

[Rawf 336]

This is a topic to discuss credit cards, not books nor finances.

Please keep on topic from this post, anything else will be deleted and member given a warning.

Thank you.

[Calidreamer 100]

it was a no go with bank of america. and i been a customer for years, so that does not matter.

did you change your social in BofA and @ work? You got to remember that they'll verify the info you give them, so you got to have your income and assets associated to your new SS#

If you have done this I suggest you get the Capital One secured Master Card

I don't like BofA, their Interest rate is too High and I know of people that haven't received their "deposit" back after a year of good standing.

Good luck

[Rawf 336]

did you change your social in BofA and @ work? You got to remember that they'll verify the info you give them, so you got to have your income and assets associated to your new SS#

If you have done this I suggest you get the Capital One secured Master Card

I don't like BofA, their Interest rate is too High and I know of people that haven't received their "deposit" back after a year of good standing.

Good luck

Yeah, the secured credit card from Bank of America is around the 24% which is extremely high and I've heard of people not getting their deposit back but that usually means they made a late payment at least once.

You can always call and ask after the year has passed to see why they haven't returned the deposit.

[Calidreamer 100]

Yeah, the secured credit card from Bank of America is around the 24% which is extremely high and I've heard of people not getting their deposit back but that usually means they made a late payment at least once.

You can always call and ask after the year has passed to see why they haven't returned the deposit.

it happened to both of my cousins, you may be right since I only know their side of the story, knowing mi tía tho I doubt they made a single late payment; I know they called, 'cause i was there, and they were told that they were supposed to ask for their "case" to be reviewed O.o dunno. I should ask them about it, either way they have been able to get other CCs now.

What about City bank? Any success stories with this bank?

[Rawf 336]

it happened to both of my cousins, you may be right since I only know their side of the story, knowing mi tía tho I doubt they made a single late payment; I know they called, 'cause i was there, and they were told that they were supposed to ask for their "case" to be reviewed O.o dunno. I should ask them about it, either way they have been able to get other CCs now.

Yeah, if you look on google there are ton of complains about it. I haven't received my deposit either.

And yes they have to call and make a case because as soon as you get the refund the credit card becomes unsecure, so it makes sense now lol.

They have to review your account to see if you are capable of using an unsecure cc.

[edxxx 9]

So I went to the bank and there they approved me for a secured BoA credit card. So I guess if you get denied online just go the the bank personally.

[Rawf 336]

It's always better to call after being denied, most likely they are going to approve you for any other of their cards.

[erika22 27]

I was approved for a capital one journey cc last week I applied for a capital one new comer and discovery it cc but was not approved oh well at least I have one and I can use it for a few months then maybe apply later on for another one best of luck everyone!!!

[itzel 336]

I applied for Capital One Rewards and yeah the APR is s*** but I'm getting mad money back from each purchase...eventually I'll call them after at the most a year and request a lower APR or threaten to go with someone else, that simple...

[Luckystar 5]

I applied for Discover Card and got approved the next day!

[Rawf 336]

Yesterday I was approved for a Capital One I have applied a few weeks back.

They requested pay stubs for the last 3 months and since I don't have them I ignored their letter I received in the mail.

Then yesterday I received an email saying my new credit card has been shipped and I should receive it in about 7 days.

LOL, another credit card for my collection.

[theaviator360 4]

I applied for Chase platium card but got denied cuz it said i dint have a credit history.Any suggestions to build up my credit?

[Rawf 336]

I applied for Chase platium card but got denied cuz it said i dint have a credit history.Any suggestions to build up my credit?

I think chase works with people with high credit score if I'm not mistaken. Read a few posts above yours for a link to a credit card you can apply for, but if you want feel free to call chase and they might offer you another credit card.

Just make sure you don't apply too much or your credit score will get bad. Max 3 times a month or less.

[theaviator360 4]

I think chase works with people with high credit score if I'm not mistaken. Read a few posts above yours for a link to a credit card you can apply for, but if you want feel free to call chase and they might offer you another credit card.

Just make sure you don't apply too much or your credit score will get bad. Max 3 times a month or less.

Thanks Rawf

[Calidreamer 100]

You've been employed at the same place with a fake ssn, it won't show on your real ssn.

Just give them a call, I'm sure they will approve you for something.

After all you've been a customer for years.

ok, so I'm looking into applying for either the Capital One Secured MasterCard or the Capital One Journey student, but do I have to have employment history? 'Cause I'm gonna start working in a week, so how long after I start before I can apply?

Thanks for your answer

[gperez562 4]

I bet Capital One has Seen a High Increase of Approvals . Big money for them. Use them wisely People. There are so many ways to get credit besides the credit cards. I don't have a SSN and ive had credit cards . Car Loans, And Approvals on Furniture Places. On Secured Credit cards if you manage to Pay everything and they see you maintain your payments up to date every month they will approve you for a Regular credit card.