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Message: <blockquote data-quote="Flipx99" data-source="post: 1197715" data-attributes="member: 562352"><p>It would seem that you may be able to apply for a student card. I assume you are a yound adult based on your comments.  These cards will normally come with higher APRs, but if you pay off when the bill comes there is no APR. You might have to settle with this scenario for a couple years before you can get good rates. Student and auto loans also help. The problem with credit is that it takes time to build. I am only at good credit because you need to be atleast 25 before you can get excellent ( they want more than 7 years of credit experience usually). I would not mass apply as squeak said, this means you are desperate for credit. bankrate.com is a great place to learn about credit cards and such....very highly reccomend this site for personal finance.</p></blockquote><p></p>

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