Hi everyone,
I'm looking to get a credit card so that i can start establishing a credit history, but I'm not sure where to start - currently is very limited. I had a student loan that i paid off, and a credit card through key bank for about six months (which was a nightmare; it wouldn't allow me to set up automatic payments and their phone service (the other way i could pay it) was abysmal). I printed out my fico credit score and i don't see any late payments or other red flags (i also don't see a number...should that be on the report?) I recently applied for the chase sapphire and chase freedom cards and got rejected from both due to insufficient credit history (which may hurt my credit?) The banker at chase told me to apply for a secured card from capital one, however it carries a $30 annual fee and requires a deposit equal to my desired line of credit, and both of those are extremely unappealing. Has anyone here been in a similar situation and found a way to up their credit score without paying ridiculous fees? (if its relevant, i am currently steadily employed at about $55k/year)
Thanks!
Griffin