1. 2. Discover® Card Discover® More Card 5% Cashback Bonus. 3. Discover® Card Discover® More Card - 18 Month Promotional Balance Transfer 0% APR for 18 Months on BT.

1. HSBC Bank Nevada Orchard Bank® Classic MasterCards Low Annual Fee. 2. 3. HSBC Bank Nevada Orchard Bank® Visa® Cards Reports to 3 major Credit Bureaus.

Answering your questions is our job and we love it! First of all, you need to get a copy of your credit report and find out your FICO score. You have the right to get free copies of your credit report at each of the three nationwide agencies - TransUnion, Experian and Equifax - once a year. Review all information on your file. If you find inaccuracies or outdated information, ask the credit bureau to correct them. Your FICO score is calculated based on your credit report, so it is vitally important to keep it correct.Your credit card choice depends on your FICO score. If you have less than 350 points, it means that you have limited or no credit. Take advantage of Capital One offers designed for people with limited or no credit history! Platinum - Visa from Capital One will make you glad with a very attractive interest rate. You will enjoy a zero APR on purchases and a low ongoing interest rate. Annual fee is $39. Standard Platinum card issued by Capital One comes with no annual fee. It also features an introductory 0% APR on purchases. If your plastic is lost, you will have no liability for unauthorized charges. Another way to establish credit is to apply for a secured card. This kind of credit cards requires cash collateral deposit that will be equal to your spending limit. The main advantage of secured cards is that they require no credit check and regularly report your payments to the nationwide agencies. Consider Secured Visa® Platinum from bank of America - it has a low annual fee and a moderate APR.

Credit bureaus take into consideration your credit utilization ratio - the percentage between your total amount of debt and available credit. You should keep it less than 30%. Otherwise, it will damage your FICO score. We don't know your spending limit, so we can't calculate your credit utilization ratio. However, we suggest that it is more than 30%.

Lenders analyze many factors when they are deciding whether to approve your application or not. First of all, you need to know your exact FICO score to apply for an appropriate plastic. It will raise your chances to qualify. 795 points mean excellent score. However, your financial situation could have changed for 16 months.

We offer you several attractive offers for good to excellent credit. Consider Blue Cash® from American Express. It has no annual fee and a 0% introductory APR for up to 12 months on purchases. A beneficial rewards program will let you earn up to 5% cash back on everyday purchases, including gasoline!

More® Card issued by Discover provides a zero introductory APR on purchases and balance transfers. Plus, you don't need to pay an annual fee. Discover is well known for cash rewards. You can get 5% Cashback Bonus® in categories like travel, home improvement stores, gasoline, groceries, restaurants, movies and many more.

Clear from American Express® offers no annual fee and a 0% interest rate for up to 12 months on purchases. The card comes with no annual fee, no balance transfer fee, no late fee and no overlimit fee!

To apply for a credit card is not difficult. As soon as you choose the card that corresponds to your FICO score and complies with your needs, click the button “APPLY” and you will be redirected to the official website of the chosen bank. Fill in an application form providing some necessary data such as your name, address, SSN, and other information and submit it. Then the bank will make an inquiry to the major credit bureaus to check whether you are eligible or not.
As you didn't say any word about your credit score, it's worth mentioning that you need to apply for a card you qualify for to avoid denials.
If you don't have credit rating yet, then you need a card for no/limited credit to start building up a history. You may consider Capital One® Standard Platinum that comes with 0% intro APR and has no annual fee.
If you are a lucky owner of a good or excellent credit rating, compare best cards. For example, Discover More® Card for those customers comes with no annual fee, low APRs and cash back bonuses.
And finally, having bad credit score for any reasons, you can improve it with cards for bad credit. We recommend you to pay your attention to secured Black Diamond Visa card from Millennium Bank that requires no credit check and reports to 3 major bureaus. As you didn't mention the names of those credit card companies that declined your son's application, it is quite difficult for us to give you exact answer. Moreover, declines can be based on various factors that depend on your personal situation. What we can offer you is to compare and try student cards collected at our site. Capital One® No Hassle CashSM Rewards for Young Adults comes with no limits on rewards, cash back and competitive APRs.A fee free Capital One® Standard Platinum for Young Adults card enables to save with 0% intro APRs on purchases and comes without annual fee. One more variant to try is Discover® Student Tropical Beach Card. It has no annual fee, offers up to 5% cash back bonus and an interest free period for 6 months.To apply for a student credit card, your son is required to have residence record and social security number. Good Luck! We'd like to recommend you credit cards from American Express and Discover Bank that offer the highest credit limits for lucky owners of perfect credit. The ideal variants for you can be Blue Cash or Blue from American Express as both of them offer interest free period for up to 12 months, no annual fee and you may get up to $100,000 as a credit limit depending on your situation. You may also consider Discover® Card More Card and save with 0%APR on purchases for 6 months and balance transfers for 12 months. It is a fee free card that offers a credit limit of up to $50,000 and enables you to earn cash back for making purchases. There are several banks that issue credit cards for students taking into account their needs and lifestyles. So if you are in need of a credit card, you may qualify for student credit cards that may help you start building up your credit history. To apply for a card you need to have social security number, residence record and it is desirable that you have at least a part-time job. We offer you to consider three variants in order to make a comparison of their features and choose the one that suits you the most.Pay attention to Capital One® Standard Platinum for Young Adults that enables you to save with no annual fee and 0% intro APRs on purchases. Or, apply for Capital One® No Hassle CashSM Rewards for Young Adults that comes with no limits on rewards and cash back and competitive APRs. You may also start your history with Discover® Student Tropical Beach Card and pay no annual fee, earn up to 5% cash back bonus and enjoy an interest free period for six months.So it's up to you to decide which of the cards suits you best. Whichever card you choose, you have to use it wisely. Pay bills on time and never exceed your credit limit to build up a solid credit history and be a success. Credit cards enable to convert some part of available credit limit into cash. If you need to get cash, you can use your plastic at the nearest affiliated ATM, write special checks for cash advance which are usually sent by a credit card company, or get your money at a credit institution or a bank personally by using your card.

It is worth mentioning that to use cash advance option of a credit card is rather expensive. You will have to pay a cash advance fee, have no grace period and pay interest rates that are usually higher than on purchases. But still this option enables you to get cash fast and easy if you suddenly need it.

Unfortunately, we don't provide credit cards for customers who are 17 or less. You have to be at least 18 years old to be eligible for credit cards collected here. As soon as you become 18, you are always welcome to our site to compare credit offers by the leading banks and credit card companies to choose a suitable card for your needs and start building your credit history. Good Luck! There are many reasons for why some applicants get denied. We can't say for sure what your reasons are as we have no access to your personal information. We offer you to consider secured credit cards designed for applicants with less than perfect payment histories. Secured cards function similar to unsecured credit offers but they require opening a savings account to make a money deposit. In case you fail to pay off your debt, a bank may charge your money deposited to repay your credit. As the risk of credit repayment is low due to such measures, secured credit cards are usually guaranteed. That's the only difference between unsecured and secured cards. As soon as you prove that you are a trustworthy customer, you may change your card to unsecured one without making any deposits. If you grow interested in these offers, you can compare Black Diamond Visa card from Millennium Bank, Applied Bank Secured Visa Credit Card and MetaBank UltraVX Visa Card. All of them are Visa-branded cards acceptable worldwide. They report to the major credit bureaus that serve your purposes if you pay your credit timely. The only difference between them is that secured credit cards require making a bank deposit. It is a measure against risk of credit repayment. It means that if you fail to pay off your credit, the bank will charge this deposit to repay your debt. This type of credit cards is designed for mostly those with damaged credit history or no credit at all, who don't qualify for unsecured cards for some reasons. Unsecured credit offers don't require making any deposits and are designed for customers with any type of credit history - from limited or no to excellent one. You apply for a card and if you qualify for this or that particular offer, a bank will lend you money. If you become interested in secured cards, pay your attention to Black Diamond Visa card from Millennium Bank. It can be accepted worldwide and will offer you high quality service wherever you go. As for cards that require no deposit, you need to apply for a card that corresponds to your credit rating. If your rating is limited or average, then consider Capital One® Standard Platinum with 0% intro APR on purchases and no annual fee. Being a fortunate owner of good/excellent credit, you may save with a fee free Discover® Card More Card paying 0%APR on purchases for 6 months and balance transfers for up to 12 months.