hey all,
im 21 yrs old. i have no established credit.
i have a couple collections on my report from the cable company but thats it.
for the longest time i been trying to get a CC card. From banks and online i cannot get one. i only can get a Secured Card and i get Approved for a card from First Premier Bank where your actual limit is only like 50$ after 200 some dollars in fees. i dont know where to turn. ive been turned down at department stores and best buys and such. im so confused. i got approved for a auto loan for 3,000$ but i have to put 800$ of my own money down and just dont think its worth it. what are my choices? the secured card only? i think thats it. i heard of banks offering Credit Building CD’s is this true? it sucks for me. i turned 18 and got no offers in the mail my girlfriend just turned 18 and she already got two.
what should i do?
thanks for the help!
well the deal on the auto loan is through a company called franklin finacial. the terms are 2 years 200$ a month. if i dont have insurance its 245$ a month.
the car can be my choice. i can get a car for 6k. but they will only give me 3. so im keeping a eye out.if i got the secured card i would just use it for small purchases you know.
do i get the 200$ back that i put into the secured card?
i also have a savings account i have had since i been about 15 i think.
i have over 800$ in it as of right now.
thats at gauranty bank.
should i go in there and talk to them about my credit and see if theres something they have to offer’?
i have been at my current job now for 2 yrs and 3 months.
ive lived at the same residence for many years.
this has done nothing to my credit.
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