If you can’t get a student credit card, you should consider applying for a secured credit card or an unsecured credit card for people with limited credit who are not in school. Becoming an authorized user on someone else’s credit card account is an option, too, as it will give you the chance to build credit history. You could also call the card issuer’s reconsideration line to see if they will reverse the decision.
What to Do If You Can’t Get a Student Credit Card
Apply for a secured card
Secured credit cards offer good approval odds since you’re required to put down a security deposit. They are also great for building your credit score.
Become an authorized user
Having a friend or family member add you as an authorized user will help you build credit, even if you don’t use the card. But don’t abuse this privilege by spending too much on the card, because the primary cardholder is legally responsible for your purchases.
Apply for an unsecured card that isn’t for students
There are some solid unsecured credit cards for limited credit on the market, but they may be just as hard to get as a student card. You could also apply for an unsecured credit card for bad credit, which will be easier to get but likely very expensive.
Call the card issuer’s reconsideration line
If you were denied for a student card, you may be able to convince the rep to reverse the decision and approve you.
Strengthen your application and re-apply
There are various requirements for student card approval. For example, many students get denied due to insufficient income. A part-time job would boost an application considerably, even when the pay isn’t great.
Check your latest credit score
Your credit score may influence which options are available to you. If you don’t know your score, you can check it for free on WalletHub. But whether you have bad, fair, or limited credit, your main goal should be the same: to build up your credit score as cheaply as possible. The above options can help you do just that.
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