hiyadisbtara asked:
I have one credit card which I’ve had for about 4 months or so now and i pay off my balance every month, so I guess I do have some credit, but not much.
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Is it hard to get approved for an american eagle credit card? Know any cards that easy to be approved for?
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If you are looking to get this card strictly to establish credit for yourself then your best bet is not to get a credit card at all and get what is called a “pre-paid credit card”. What this is is a card that you actually purchase from your local credit union for however much you desire and they in turn report the activity on it to the credit bureau. How it works is if you purchase a $500 card and use it during the month and then refill it at the end of each month then it will be reported as a card in good standings. It is the fastest safest and easiest way to establish good credit.
I think it is relatively easy to get approved for department store cc’s. However, they usually aren’t a good idea. Especially if you’re trying to take advantage of the 10-15% off your first purchase. Just keep paying your current cc on time and in full and eventually your credit limit will either automatically increase or you can request a limit increase on your own.
American Eagle can be a little hard to get approved for, it depends on your credit history. If you have no credit you will not get approved. But for the most part if you have good credit and are young they will start you off with $150 limit. So give it a try you get 15% for opening the card and 20% the week of your birthday.