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So I opened a Chase account like a month ago and I tried to open a credit card account so I can build my credit score (currently at 0). I got denied right away. I was reading the forums and some people got their credit cards approved with Bank of America.

Is it bad to have more than 2 checking accounts? I can open one at Bank of America and try to apply for the credit card.

I also applied for Macy's and JcPenny's and also got declined. Does anyone know why this happened?

Thanks

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You opened a chase account checking account. Did you appply for the credit card same day as well? If not, how long did you wait?

I as well opened a chase checking account about more than a month ago. And just yesterday, i applied for a credit card. They need 10 days or less to make a decision. This makes me a little worried now. I hope they don't decline me.

In other news, I also applied for a Capitol One Credit Card and got approved right away. 500$ limit. :D

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Store CC require you to have a good credit history, and to get a credit card at bank of america you have to have a credit established with them for years or you can try the secured credit card they offer which you have to pay $99 and you get a limit of 500 or less.

You cannot apply online, it has to be at your local bank center.

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just becareful dont get to crazy with credit card.smile.png

ive been with baank of america since 09, ima ask em if i qualified for a credit card:) i dont really need one but in da future i would like to buy a house:) so i know i neeed da credit:)

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Thanks guys, I'm applying for a Wells Fargo CC since my parents have been clients there for a while and can co-sign there. If not, then I'll get a Capital One Secured CC.

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just becareful dont get to crazy with credit card.smile.png

Yea, I would be careful about trying to open a credit card so soon. Most probably, you don't have the right amount of credit score to get approved and when ever you do try to open one and you get declined, it will affect your future FICO score. Remember, you need to establish your credit worth by having small utility bills, cell phone bill , and an apartment lease under your name, etc.. . And, make sure you accounts don't go in any kind of delinquencies if you are truly trying to establish a good credit score. If you are going to college, the prompt payments you make would also boost your rating.

If you can find someone to cosign for you then you should be good. But, make sure you stay on top of your minimum payments.

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I tried discover with no credit score and it worked. I would also sugesst calling them as soon as you file for a discover credit card.I got a 500$ credit limit.

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This is good to know MOE. I have been tempted to apply for a Macy's credit card or a banana republic one has anyone tried those kinds of cards?

Oh my.. Banana Republic.

Macy's seems to be very strict when it comes to approving people.

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So I applied last week at Old Navy and was approved a 300 dollars credit line .. I could also use it at Gap,Bannana Republic, Pipper line... I had applied with Bank credit cards and was denied for those... now I have Old Navy card .. Its a good start building my Credit

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i had a secured card everything was fine TILL i forgot i have one so for like 3 months didn't pay off .... now im FUCK ,,,, they closed my card nd have to wait 6 months to a year to be able to apply for a new one lol ... YOLO :angry: 

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