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/biz/ - Business & Finance

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19314566 No.19314566 [Reply] [Original]

I can't figure out how to start building credit. I applied for four different credit cards, three of them being secured.

Here's the cards I've applied for,
Discover It Secured
Capital One Secured
Citi Secured
Wells Fargo Cash Wise

It's like I don't even have a chance to get started. Banks won't even give me credit when I back it up with a deposit collateral. They're not even taking any risk and they still won't do it. If I apply for any more credit cards, I'm going to take more hard pulls on my credit score which is 0 right now which makes it even less likely for me to get credit.

Anybody have any advice?

>> No.19314679

>>19314566
Use the secured card for a few months.

>> No.19314714

>>19314679
I just said I got denied for the secured cards.

>> No.19314961

>>19314566
Find a local credit union and get one from them
Although I have no clue why you would get denied for secured cards in the first place

>> No.19315026

The time to apply for new credit was before coronavirus became a thing. Literally every bank is preparing for a massive wave of defaulting debt and won't extend credit to anyone. Sorry mang