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For a graduate student who earns about $25k/yr with no credit history, what credit cards he/she expect to get? Will the fact of having a regular income help?

Of course, the person will be eligible student credit cards, but what are the chances of getting better cards like Blue Cash AMEX and Schwab Visa Signature?



I would get a secured card(or two) and try for unsecured after 6-12 months


I got the Schwab card as a student. They only gave me $1,500 limit at the time.


AMEX Blue CASH Student.


Blockbuster rental card.


A report card...


motsuka said: I would get a secured card(or two) and try for unsecured after 6-12 months

Ditto. BofA still offers one I believe. Getting an unsecured card in college is just asking for trouble.


I started with a secured $500 BofA card, a 76 gas card and a cell phone plan with a $150 deposit.

Then I signed up for a bunch of stupid cards at college.

Then the plain-vanilla cards.

Now I can get pretty much whatever I want.


I got carded all the time when I was a student.


The laws have changed. If you are under 21 and have income, apply for one of the student credit cards on your own. If not, you will need a cosigner or a secured card


Been in that boat. I got a $500 secured card. A year later, BofA returned my deposit and started bumping up my credit limit.


It was several years ago, but my 18 year old got a Visa from United Airlines. She was a student with no steady employment. They charged her a hefty $60/year fee for little credit ($1500) but the mileage perk (30,000 miles) for signing was well worth the cost. She used the miles on a pricey round-trip flight to Milwaukee last year (like most college age kids, she traveled alone to see friends). She has also established credit and can now move to a fee free card whenever she wants. Here is the jump:

United Airlines Visa


mtvU is still an option.


Rommie2k6 said: For a graduate student who earns about $25k/yr with no credit history, what credit cards he/she expect to get? Will the fact of having a regular income help?

Of course, the person will be eligible student credit cards, but what are the chances of getting better cards like Blue Cash AMEX and Schwab Visa Signature?

I'm thinking a 99 cent Hallmark Shoebox card?


I started off with a Capital One Student card back in 2002. BTW, my annual salary was only 8K then ( I was a grad. assistant).



  • go to a credit union and apply for a secured credit
    card backed by $500 taken out your savings. tell them you're
    trying to establish credit.

  • charge things like gas, candy, tacos, soda, and pizza and then
    pay it off in full every month.

  • in 6 months you'll get unsolicited unsecured offers from the
    majors in the mail. at that point you'll know you're in the system
    and you're in business.


ellory said: The laws have changed. If you are under 21 and have income, apply for one of the student credit cards on your own. If not, you will need a cosigner or a secured cardExperience from two years ago is not relevant.


I don't know if this is still possible or even possible for you. A good friend of mine had no credit at all. Since I had good credit, I added him as an authorized user on one of my high credit limit cards. I put down my own address, but used his SSN. Note that I kept the credit card that arrived with his name. He then applied about 1-2 months later for his own cards, and got approved for an mtvU card. He is now on his way to building his credit on his own.

If you have a really good friend, it might be a possibility for you to setup an arrangement like this as well. However, I am not certain that the authorized user trick still works.


Why are there so many obnoxious replies to a serious question? I am placing all of you that didn't offer any helpful information on the ignore list.




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