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Old Dec 27, 2013 | 9:45 pm
  #4  
jarpkor
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Don't apply for a joint account, unless you want to forever be dependent on your parents' credit. Do this:

1. Open a Chase College Checking account

2. Apply for Chase Freedom and Discover It (or other no AF card)

3. If you get lucky and get approved, great, wait 6 months and apply for something else. If not, apply for a Secured card from Capital One. Then in 6 months re-apply for Chase Freedom

When I turned 18 I got declined for the Chase Student card. IMO Student credit cards are 100% BS. They're not necessarily easier for you to get approved for as a student. They just have rewards program that "cater to students" but actually just kind of suck.

After I got declined, I got a $200 secured card from Orchard Bank. I paid in full every month, 6 months later I applied for Chase Freedom and was approved.
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