As the title says, I am currently looking to get my first credit card. I am 22 years old and I graduate next month. As of right now I do not have any jobs lined up, so I also dont have a solid income to list. I currently bank with BoA, but I heard their credit card offers are subpar. What are some good recommendations for applying for a good, well rounded card with cash back and no annual fees for someone who will soon NOT be a student and also doesnt have a solid income to list yet?
What Credit Card To Get? About to be post college grad, first time card
byu/Kage-creations_22 inCreditCards
Posted by Kage-creations_22
2 Comments
Getting your first card without steady income is tricky but definitely doable. I’d suggest looking at cards from credit unions if you have access to one – they’re usually more lenient with approvals and have decent cashback rates without fees
When you fill out application, you can include any income you have reasonable access to (like family support, part-time work, even unemployment benefits if you qualify) as long as you’re not lying about amounts
Snagging a student card while you’re able is a solid play. Capital One offers a version for their Savor card with the same 3% cash back on grocery and dining. You can “graduate” that to a regular card once you’ve got a real income.