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OK so I am not sure this is the right place for this but I wasent sure where to post... So I have recently been trying to build my credit the only thing on my credit report is an unpaid electric bill from about 5 years ago... I have been working at a fairly good job for about a year now and just applied for a secured capital one credit card and was denied does anyone have any advise on how to move forward and start building my credit up??
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>>17670981
>I have been working at a fairly good
why do you need credit?
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>>17670981
Try for a different credit card, that's really the best way to build credit.
It's possible that you just don't have much credit aside from that one unpaid utilities bill.
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Yea that's the problem I have no credit aside from that and the more cards I apply for the worse my credit will get so I'm looking for a card that is pretty much as close as u can get to guaranteed approval don't care if I have to secure it with like 500 or $1000
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Go to reddit. Seriously. Personal finance is a good one. Start reading stuff. Do a little research on the googles. Get creditkarma on your phone. The sweetspot for credit building with credit cards is around 15-30% utilization I think. Look that up though, I may be wrong. Don't use more than 30% of your available credit. Don't keep a zero balance every month.
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I got denied for a lot of cards, until Discover accepted my application. Maybe try them.
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OK will definitely look into it thx
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