Which Credit Cards? What counts as income?

Hey! This is my first time posting in this form! It's so exciting. I'm going to be attending my first year of college in September and I'm going to try to build my credit while I'm a student. My goal is to eventually hit the 850 FICO score and to have a large line of credit by the time I graduate. I also want to use different bonuses, points, miles and cash rewards to pay for my travel expenses (I LOVE TRAVELING). I'm fine with having my credit card take a plunge for the next 3 years (I won't be applying for any loans, etc). I'm going to go on an app spree today before gardening for 91 days. I'm trying to find out what credit cards to apply for in which I have a good shot at being approved. I've been lucky enough to have been an authorized user of my sister's CC for 5 years (perfect payment history - around 740-760 FICO scores on all three when I applied for my own) These are the cards I have or applied for recently: Capital One World Master (Authorized User - 7,500 CL)Capital One VentureOne (Recent - 5,000 CL)AMEX Hilton HHonors Card (Recent - 2,000 CL)Citi Student Thank You (Recent - 2,000 CL)BankAmericard Cash Back (1,800 CL)Amazon Prime Store Card (Recent - 1,900 CL)Discover It Chrome for Students (500 CL)Capital One Student Journey (Closed)BankAmericard Travel (Recent - Denied)Chase Freedom (Denied)Chase Amazon Visa (Denied)US Bank Cash+ (Recent - Pending)Upromise Mastercard (Recent - Pending)I'm looking for cards that have high rewards (miles is a bonus) for specific categories/stores. Right now, the only card I'm looking into is the Target Redcard. What are some other cards that I should apply for? Also, would you count scholarships/grants as income on your application. Up to this point, I've been switching sporadically from bank to bank.

Alright! I'll take a break and wait 6 months. There isn't really an immediate need for credit! Thanks for the advice  I think I need someone to tell me to stop. Ahahahah. Just a quick note: All of those recent denials were before all of the recent new cards. So I'm not sure whether thats a reflection of my recent inquiries. Chase said that they couldn't extend a line to me b/c of short credit history (even after recon) and Bank of America doesn't give students a second card.

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  • HT2731 I dont have any credit card what will i do

    i dont have any credit card what will i do

    If you only want the free apps, take a look here:
    http://support.apple.com/kb/HT2534
    Read the steps carefully as the order in which you follow them is  critical. Note that you can do this only when creating a new Apple ID. You cannot use an existing ID. 
    You will of course not be able to get anything other than the free apps without entering in some sort of payment method (credit card, prepaid iTunes card, gift certificate, etc.)
    Regards.

  • I create a new apple account but i dont have credit card.what should i do, i create a new apple account but i dont have credit card.what should i do

    i create a new apple account but i dont have credit card.what should i do, i create a new apple account but i dont have credit card.what should i do

    Hi fahmeed,
    Thanks for visiting Apple Support Communities.
    If you need to create an Apple ID (iTunes, iBooks, or App Store account) without a credit card, see the instructions in this article:
    Creating an iTunes Store, App Store, iBooks Store, and Mac App Store account without a credit card
    http://support.apple.com/kb/HT2534
    If you already have an account created, but need to change the payment information, see this article:
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    http://support.apple.com/kb/ht1918
    Best,
    Jeremy

  • I want to use my apple ID but i dont have credit card, what should i do?

    i want to use my apple ID but i dont have credit card, what should i do? my last telephone was I phone 5, now i have 6 and i have a problem using my apple id. there are a new things like credit card, pass and so on... i just want to install apps like facebook and viber and never use Itunes or I books. Please help me!

    Create an iTunes Store, App Store, or iBooks Store account without a credit card or other payment method - Apple Suppor…
    See the if you already have an Apple id section

  • HT5622 I don't have credit card , what should I do????? I Cannot make an Apple ID!!

    I don't have credit card , what should I do????? I Cannot make an Apple ID!!

    There are instructions on this page for how to create a new account without giving credit card details (the instructions won't work with existing accounts) : http://support.apple.com/kb/HT2534

  • HT201209 I want to use a gift card but it's asking for credit card info. I do not have a credit card. what do I do?

    I want to use a gift card but it's asking for credit card info. I do not have a credit card. what do I do?

    Hi Toastcafe,
    If you are having issues setting up an iTunes Store account without a credit card so you can redeem your gift card, you may find the following article helpful:
    Apple Support: Creating an iTunes Store, App Store, iBooks Store, and Mac App Store account without a credit card
    http://support.apple.com/kb/ht2534
    Regards,
    - Brenden

  • I had created my apple id from apple's site and now when i am trying to sign in to itunes ,i m being taken to payment method page and there is no option as 'none' and i dont have a credit card.What to do?

    i had created my apple id from apple's site and now when i am trying to sign in to itunes ,i m being taken to payment method page and there is no option as 'none' and i dont have a credit card.What to do?

    Unless you use the steps on this page when creating a new account : http://support.apple.com/kb/HT2534
    then you will need to enter credit card details before the account can be used to download any item from the store.
    If you don't have a credit card then you will need to create a new account, and follow those instructions. If you want to use the same email address then you will need to remove it from that account first e.g.by logging into it via the Store > View Account menu option on your computer's iTunes or via http://appleid.apple.com - you should then be able to use it on a new account.
    Steps for creating an account on a computer's iTunes : https://discussions.apple.com/message/24321860#24321860

  • HT204053 Where can I find which credit card I have on file for iTunes?

    Where can I find which credit card I have on file for iTunes?

    On your computer's iTunes you should be able to see your payment info by going into the Store > View My Account (Store > View My Apple ID on iTunes 11) menu option and logging into it.  If you are doing it on an iOS device (iPad, iPhone or iPod Touch) then try tapping on your id in Settings > Store (Settings > iTunes & App Stores on iOS 6) and selecting 'View Apple ID' on the popup.

  • Hello please hepl me in my problem in apple id, i cannot connect to my ipad mini in itune store and app store because they find me a credit card but i dont have credit card. what can i do now? i need an answer for this problem. thank you

    hello please help me in my problem in apple id, i cannot connect to my ipad mini in itune store and app store because they find me a credit card but i dont have credit card. what can i do now? i need an answer for this problem. thank you

    I would suggest that you buy a visa or mastercard gift card and put a few dollars on it and use it to access the store.  Just add money to it before you want to buy something from the store and it will act like a normal credit card for you.

  • I created my apple id but i can't review it without a credit card, what should i do?

    i created my apple id but i can't review it without a credit card, what should i do?

    Just what are you now trying to do?
    Just what message are you getting?
    Did you complete the setup procedure?

  • HT1349 I don't have a credit card.what should I do to active my account.

    I don't have a credit card.what should I do to active my account.

    Create a iTune Store Account without credit card
    http://support.apple.com/kb/ht2534

  • I am from Ethiopia and i don't have access to credit card what can i do please  help me please please::::::

    in ethiopia there is no access to credit card what can i do ! i try my best but i cant please help me!

    So sorry to hear of your problem but if you want to purchase something from the App Store or iTunes you need either a credit card or appropriate gift cards.
    You can obtain free apps by following the instructions here ...
    Creating an iTunes Store, App Store, iBookstore, and Mac App Store account without a credit card
    It is important to understand that these instructions apply to the creation of a new Apple ID with an email address not previously associated with an Apple account.

  • HT5312 In itune I need to fill up the questions about card but i dont have credit card,what can i do?

    In itunes i need to fill up the questions about card but i dont have a credit card, what can i do about that?

    Hi Huyen1110,
    You can use the steps in this article to create an iTunes Store account that does not use a credit or debit card for payment -
    Create an iTunes Store, App Store, or iBooks Store account without a credit card or other payment method - Apple Support
    Thanks for using Apple Support Communities.
    Best,
    Brett L 

  • How do i know which credit card is connected to my apple account?

    Hi i just wanted to know if i was going to make a payment through apple how do i know which credit card the payment will be on, thanks.

    On your computer's iTunes you should be able to view your payment info by going into the Store > View Account menu option and logging into your account, and on your account's details page there should be a payment link (you can only have one credit card on your account at a time). If you are doing it on your iPhone (or on an iPad or iPod Touch) then you could try tapping on your id in Settings > iTunes & App Stores and selecting 'View Apple ID' on the popup.

  • Need help with determining which Credit Card would be the best

    Here is my situation. Currently only have one credit card, BoA Alaskan Airlines (since 2008) that is pretty much maxed, $6k balance on a $7k limit. I would like to open another card with a 0% balance transfer to help me pay this down as well as lower my utilization.  I have solid credit history, no delinquents and have perfect payment history. No current loans or installment payments and last credit check was earlier this year, a 704 with Experien. I have been comparing the Chase Freedom, Slate and Discover IT and wanted to see what your experiences were and what chances you think I have of qualifying for each card. Which card would be best for my situation? Thanks in advance.   

    runergrl wrote:
    Here is my situation. Currently only have one credit card, BoA Alaskan Airlines (since 2008) that is pretty much maxed, $6k balance on a $7k limit. I would like to open another card with a 0% balance transfer to help me pay this down as well as lower my utilization. Nothing will be best for that situation other than paying down the balance on that card.  Revolving utilization is a major scoring and risk factor.  It falls under Amounts Owed below:http://www.myfico.com/crediteducation/whatsinyourscore.aspx With 85% utilization you're going to have a hard time getting approved.  Even if approved you're going to get a low limit and a high APR.  Don't count on a new card to reduce your utilization. runergrl wrote:
    I have been comparing the Chase Freedom, Slate and Discover IT and wanted to see what your experiences were and what chances you think I have of qualifying for each card. Which card would be best for my situation?Let me give you an example of how constricting high utilization can be.  I was in a similar boat but I had more cards and, aside from utilization over 60% a solid credit profile in good standing.  However, Chase would only approve me for a $2K Slate with the highest APR offered at the time.  It was completely useless.  I was able to get my utilization down to under 10% (I think close to 2%) 6 months later.  At that point I had 2 instant approvals within a day of each other.  Each of those Chase cards were approved for $25K.  Approvals at that point were qualifying for the lowest APR on cards with ranges. I'm not saying that you'll get $25K when you lower your utilization.  Again, just demonstrating how constricting high utilization can be, If you're going to app then you want your credit to be in the best possible shape.  At 85% on your only card you're a long way from that.  I know that's not what you want to hear but it would be unreaslistic IMO to encourage to to expect a card useful for BT and for lowering your utilization.

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