I’m trying to start building credit while I’m still in school, but I don’t have anyone who can cosign for me. Most guides seem to gloss over that part and assume family help is available.
I work part time, cover my own basic expenses, and stick to a budget, but I have zero credit history right now. I keep reading about student credit cards with no cosigner and I’m wondering how realistic approval really is if your income is modest.
For students who pulled this off, what mattered most when you applied? Income level, how long you’d been working, or just being enrolled full time? I’m trying to be smart about timing and avoid unnecessary denials.
Are student credit cards with no cosigner actually attainable for regular college students?
byu/Daniel_Dylan904 inStudentLoans
Posted by Daniel_Dylan904
5 Comments
When I was in college they would literally just be on campus trying to get kids to apply. And then if you did you got a $500 credit limit. I got a Wells Fargo card making like $7/hour as a student worker.
Maybe it’s different now?
You should have no issue getting a student card, worst case you get a secured card, but there’s only one way to find out.
Look into a secured credit card if you can. You basically pay your balance up front that way if you can’t keep up, it’s already paid. Reports just like a credit card for credit score purposes.
Just get a secured card put like $200 on it. i have the discover it student. its been like 6 years and its still my only credit card. I just bought a house with the credit I built using it
I got a credit card at 18 and did not need a co-signer, also got a high credit limit. Start with student credit cards and then aim for better one once you have a higher credit score