Originally Posted by
tigerhunt2011
I would avoid Capital One and Discover at all costs…
If your parents have an American Express card, have them make you an "Authorized User" on their account. Even if they don't actually want to give you the physical card, being on their account will establish you history.
Next step, I would wait 6 months and then apply for a "Secured" Visa card from your bank.
I'm turning 21 next month, with 750 FICOs across the board. Did the above, spent wisely, and I've managed to churn over 400,000 miles this year.
I have a son who just started college in Sept and 18 yo. So this thread is an interest to me also. Unfortunately I was stupid enough to cancel my no fee Amex card a few yrs back so can't go this route now.
Just curious as why you said to avoid Cap one and Discover cards for students as they may be easier to get for them and no fee also
And although I'm a lot older than you, I have to learn from a young master at 21 and perhaps still a student. I would have trouble making the minimum spend to ever reach 400k miles with all the CC involved. Love to know how you meet the spending. Kindly PM me to teach an old dog some new tricks. Cheers and Happy Holidays.