Ok. I applied to Amex. They basically said “Sorry, we have no clue about you at all. No card.”
Dang. I don’t need or really want a credit card.
Why get one? I want a credit history. I want to be able to actually sign up for things like Money Market Accounts or the Lending Club’s referral program.
So, readers, what do you think my next move should be?
Here’s some more background material.
22, never had a credit card or anything to give me a credit history.
Applied for a store credit card (heard they were more forgiving of histories) in March in hopes of getting a credit history. Was denied and gave up because I don’t actually need one.
Amex letter says that I can “challenge” it, but I’m not really sure what that would mean.
I don’t want to pay fees. I care less about interest rates for now since I’m not going to be carrying a balance.
My game plan is to use this card to pay our cell phone bill and then pay it off ASAP.
What do you think my next move should be?