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OfflineUniversalParadox
Stranger Than Fiction

Registered: 01/16/09
Posts: 397
Loc: Placement
Last seen: 12 years, 6 months
How many credit cards could I get?
    #13141027 - 09/02/10 11:22 PM (13 years, 4 months ago)

If I have never had a credit card, am not in debt, have never been in debt, have lived by myself in a one bedroom apartment for a year and a half, have been on a cell phone contract for almost two years, pay cable television bill, pay electricity bill, have never been late on any payments, but I've been out of work for a year and a half, collecting unemployment since being unemployed, could I get a bunch of credit cards?

I've been getting pre-approved letters from my bank for credit cards.

How many do you think I could get and how much of a limit?


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OnlineYthanA
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Registered: 08/08/97
Posts: 18,774
Loc: NY/MA/VT Borderlands Flag
Last seen: 4 minutes, 9 seconds
Re: How many credit cards could I get? [Re: UniversalParadox]
    #13141246 - 09/03/10 12:28 AM (13 years, 4 months ago)

FYI, "pre-approval" notices are not offers of credit. They are quite literally pre-approval in the sense that, you ain't approved yet. :wink: They're inviting you to apply for a card but you still have to pass a credit check and meet their qualifications. It's just creative advertising.

Sadly, things like paying rent and utilities on time will not go on your credit report. If you've never had a credit card or installment loan before, you probably don't have any credit history. In one of the more annoying catch-22s of the financial world, you need credit to get credit. So unless you have some credit history you didn't mention, I doubt you will be approved. If you want to establish credit look into getting a secured card; Orchard Bank and Capital One are a couple options. After six or 12 months of on-time payments, you should be able to get an unsecured line of credit.

Note that you can get your credit report for free at https://www.annualcreditreport.com and your TransUnion score for free at https://www.creditkarma.com if you want to see where you stand.


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InvisibleRobMarley420
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Registered: 05/01/05
Posts: 12,554
Loc: Mushroom Mountain
Re: How many credit cards could I get? [Re: Ythan]
    #13142245 - 09/03/10 10:05 AM (13 years, 4 months ago)

I was able to get a credit card through my bank when I was 18 and still living with my parents.

My only established credit at the time was paying cell phone bills since I was 16 and the money in my bank account.


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