I’m 22. I don’t have any history of credit. (No credit cards, loans, etc… Nothing.)

My friends told me that they all started building credit by opening a student credit card from Chase, the ones with a 200 dollar limit.

I tried to do that but actually got denied. They said that I have "too few accounts open to resolve credit."

So how do you do it?
Okay, I will try citibank, thanks.

Also, I already have a checking account open.

I do not have a cellphone or any other type of bill like that under my name, though. I mean, I don’t have a cellphone period, haha. I don’t want one.

Also, I would never use a credit card unless I could pay it off immediately, of course. That was my plan.

Relevant Content

• Passion for Subro » Regulations Issued Under Health Care Reform on Preventive Services and Internal Claims and Appeals, and External Review Procedures
• Visa Credit Cards: Capital One Credit Cards
• CVS Deals: Week of August 15, 2010 — Helping You Stretch Your Dollar So You Can Have More Fun Moms Need To Know ™
• student credit cards with no bank account or job how do i get one?

I’ve opened a few credit cards lately, but don’t plan on using them, only for emergencies. Will just having 4 or 5 credit cars available for my use somehow hurt my credit score, or credit in general for future loans I might want?

Relevant Content

• Bad Credit Auto Loan Title Scams | Auto Credit Express Auto Loan Blog
• I need to buy a car and have horrible credit? | cars answers
• What exactly happens to a credit score when you purchase a new home? | Business & Finance
• Increase Your Credit Score with a Personal Loan | Investing | Increase Your Credit Score with a Personal Loan

Let us help you put less money into the giant corporate world`s pocket. Let us educate you on how to have more credit so you pay less interest.

Relevant Content

• Your money? The government’s “income” | RedState
• Knowledge Base » Make Money Online With Social Networking Sites

My current credit score is 745 and I’ve built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the abscence of installement-paid loan will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score since I am planning to apply for a mortgage in the near future?

Relevant Content

• How Skiles will likely deal with Bogut’s abscence « Courtside Analyst
• Paying Homeowner?s Insurance Yourself, Even With Escrow : Real-Time Finance
• Using Credit Cards to Increase Revenue & Cash Flow | Lawyer Advertising & Attorney Marketing
• Using Multiple Credit Cards To Save More Money On Gasoline

I am 21 years old, Active duty military. No credit history. I’ve applied for small loans in the past, with very little luck. I am returning from deployment soon, and i have enough money to buy a harley in cash. However i would rather get the motorcycle financed so i can build some credit.

Is there anything i can do to insure this, everyone i’ve talked to has declined a loan for me. I don’t understand it.

Relevant Content

• Harley Davidson hazard
• Deployed? Get an “Active Duty Alert” | DoD Live
• New Harley-Davidson Airstrike Wheel For Touring Models at Cyril Huze Blog – Custom Motorcycle News
• Importance Of Credit History – Stowe Real Estate