Is USAA's credit card good for someone with no credit, trying to build credit for the first time? Or is there another that is good?
I've read the first time CC post that's on this subreddit but unfortunately I cannot be added as an authorized user to any of my family's credit cards. Both members of my immediate family have poor credit for varying reasons. So I'm looking to get a credit…
I've read the first time CC post that's on this subreddit but unfortunately I cannot be added as an authorized user to any of my family's credit cards. Both members of my immediate family have poor credit for varying reasons. So I'm looking to get a credit card to build some reasonable credit while I am in college since I am considering entering a work-study program. I have no credit score at all, I've checked. I was primarily curious about USAA, as I have a USAA account. I would basically be using this card exclusively for expenses related to college (i.e. any supplies, groceries or gas I would need that I can pay off within a month or so with either any refunded grant or scholarship money, or any money I receive from the work-study program.)
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Yeah probably. If they don't approve you for an unsecured card just look into secured cards
USAA is generally a "good" option. I don't have a lot of credit history and they denied me, despite having banked with them for 20+ years. They have a pre-approval tool that I think does not do a "hard pull" on your credit. Capital One is well-known for generally approving people new to credit and they do have student cards. Their pre-approval tool also does not do a hard pull.
They have a credit builder card they just released. Worth a try.
One card isn't better than another for building credit. Get the best one you can based on the best rewards and always pay the statement balance in full by the due date through autopay.