How to Dramatically Increase Your Credit Score in 2023

[@AskSebby]

Sign up for Notion for free today: ntn.so/asksebby ✨ Free template: ntn.so/creditbooster-free 📈 Credit Builder Pro template: ntn.so/creditbuilder-dashboard 💳 Sebby's Card Picks: www.asksebby.com/credit-cards

[@rowenascruz7129]

How long does it take to change my score if I missed a payment due to the annual fee balance.

[@jollyronacher]

I brought my score (credit karma) from 659 to 771 in 5 months. Getting your utilization below 10% is a crucial factor here. And I’m only 22. It can be done.

[@danielleduncan3548]

Same here! It’s so easy to fix things when you know the rules of the game

[@rodrigog1493]

Credit karma is just a vantage 3.0 score which no lender uses, check your Fico 8 or 9 scores, those are your real credit scores that lender use

[@deborahblount8571]

Credit Karma is not a credit reporting agency they usually are 2-3 months behind with what you see in Credit Reports Equifax Experian TransUnion

[@OfficialEricGao]

Figuring out how to increase your credit score is crucial for future endeavors. I'd say one of the most important methods in getting and maintaining a good credit score is to keep total credit utilization as low as possible!

[@AskSebby]

Agree!

[@tigerrx7]

Dave Ramsey would scream at you for saying this 😅

[@justfelix30]

The best way to increase your credit score is Pay on time before the Due date, only spend 30 to 35 Percent of that credit limit, use it responsibly and your score would go up high!

[@Peanutdenver]

@@justfelix30 You nailed it friend and let me add one caveat...keep your credit usage below 30% as that's the universal number for Equifax, Transunion, FICO, etc.

[@roozavelt]

​@anthonyrarcher spend $23 a month and pay it in full every month

[@genovaz]

About your oldest card - be careful to make sure the issuer doesn't spontaneously close the account because you stopped using it. I got my first card at 18 and because I stopped using it for a few years they closed the account one day and 5 years just vanished from my credit age. 🙃

[@VIN-7567]

I started credit in 2021, I’m at the point where the only thing I have to do is wait for credit age to increase before I hit 760. Thanks to sebby and all of credit KZbin for helping me start out decently.

[@DGSpartan92]

Ask Family/Friends if they will allow you to be an Authorized User for 3 months- not have access to their card (or the account) but just to adopt their 5 or higher credit aged card. This will help you gain (age weight) on your credit, and once the 3 months passes after they're credit reports, they can then remove you from their credit card risk-free.

[@im.notmilk]

If you have not downloaded the template yet, it is brilliant. I did this exercise on paper the morning before Sebby released this video and his content is 100% on point!

[@AskSebby]

Thank you! Glad it was helpful :)

[@SpencerJohnsonOfficial]

📝I try to stress to people that hard inquiries are really not that big of a deal in the grand scheme of things. Oddly enough, I've seen people more scared about hard inquiries than any other credit score factors that are much more important. While it can be important to focus on them if you're applying for a mortgage (like you mentioned) or are trying to stay under Chase's 5/24 rule, it really isn't a big deal in any other scenario. Thank you for pointing this myth out! Great video all around.

[@BronxY2k2]

Same thing now I'm trying to explain to three different people.

[@SpencerJohnsonOfficial]

@@BronxY2k2 It can be hard to really get your point across on this, but once it clicks, it clicks!!

[@ml9316]

I think the hard inquiries are scary because the lender can say “no” and no one likes rejection in the first place. Paying interest to a faceless bank on a credit card balance is somehow more palatable than dealing with a rejected card application.

[@SpencerJohnsonOfficial]

@@ml9316 That may have some truth to it Michael!

[@Adiscretefirm]

That is correct as far as FICO goes, but some issuers are more sensitive to lots of inquiries than others and can get you a denial.

[@joeycowboy14]

Great stuff as always, Sebby. A couple comments in FICO scoring: Technically, inquiries aren’t the only thing factored into the new credit category. FICO looks at multiple factors related to new accounts that have been opened. Also, the overall credit utilization ratio isn’t the only factor considered in the amount owed category. Individual card credit utilization is factored into this category, and number of accounts with balances is also factored in.

[@carolinareyes756]

📝I think I’ve Been preserving my credit score after dealing with auto dealer hitting my score so hard (after applying for three cars in one year - I know long story :( ) but now after watching creators like you I’ve realized I’m being responsible with my credit cards and paying down my Student and auto loans at a good pace that once my inquiries fall off next year I shouldn’t stress too much about credit card application hits

[@yasinm.3162]

🗒Great video! I started watching your videos about 3 years and have managed to raise my score quite a bit! I'm in the upper 700's and my goal is to crack 800 this upcoming year! I made a lot of dumb mistakes in college and even after, but you live and learn!

[@slappers123]

I’ve hovered between 750-760 for about a year now. Worst factor for me is my 1.8yr of AAOC. I was stuck at 740 for about 9 months before that, so hoping I break the 760 ceiling soon!

[@Adrian_Creates]

📝 Awesome Sebby! You’ve helped me a lot and this video has some SUPER cool reminders and new ways of looking at things. I learned early in life that credit is a stupid game. But I learned way too late that sometimes you have to play stupid games when they’re bigger than us! Might as well play so you can benefit and might as well kick butt and have fun along the way! 😊

[@ret4kind]

A bit of an advanced FICO score strategy, but don't carry balances even if it's a 0% APR. The reason is for people who regularly get credit cards the new FICO 10 algorithm punishes people that get increasing balances over time. To keep the highest score, paying in full every month is more important than with FICO 8.

[@kenlee2923]

Yeah. FICO 8 is just for Flex. As long as you have around 760 or more, you are good.

[@ret4kind]

@@kenlee2923 It's actually 761 for car loans and 741 with mortgages for best rates. It gets even more complicated because each credit scoring company has its own version of FICO for different credit types, and banks have their own internal algorithms for determining risk for credit card applications. Wells Fargo for instance has one of the strictest algorithms and only offers credit if you have a credit history with the bank itself. (Citi is very similar). Chase and BOA are much more liberal with its credit limit. What you need to do is make sure your individual card limit never goes over 29%, and overall limit for all cards is never over 9%. Then make sure less than 40% of cards carry a balance. And THIS is only applies for FICO 8. Credit scoring systems are very complicated but they only calculate one thing: your risk to the bank in repaying the loan. It's a catch 22: you need lower usage to get better credit, and once you get that better credit, you still need to keep your usage as low as possible to minimize bank risk. Then you have banks like Capital One that only want revolvers and limit people who pay in full from joining.

[@ban_tik_tok]

How do you know when a 🆕 algorithm is in effect?

[@kevjak357]

Luckily when I closed my oldest card, it didn't have too much of an effect. I had to close it. It was from crappy Credit One, when I was first establishing credit. Now that I have much better cards, it had to go!

[@jesusvilla9547]

I asksebby this is Jesus from Orlando Florida believe it or not your video that you did like this one about 4 years ago is will help me with my credit score and my credit card journey. I got hooked on your channel after that video.

[@AskSebby]

Awesome! Thank you for watching :)

[@koreypaul6698]

I feel like I remember your comment on that video from 4 years ago Jesus 😁

[@davidyeti7829]

📝 100% accurate. My overall credit utilization is the main factor holding my credit score down. I would like to purchase our first home by June 2023. I look forward to incorporating your template. Thank you 🙏

[@mylesdarnell]

Hey Sebby thanks for the great credit info over the years! I've learned a lot from you, and my credit score is now over 800. Thanks again! Blessings!

[@CastroMKE]

I wish I would’ve known this video when I actually had a credit card. But I’m glad I know it now going forward. I would’ve never closed my last card. And that statement payment heck, is huge. I would always be 0% utilization or like 60% utilization lol I could never manage the one to 10%. I really appreciate this video. Thank you very much.

[@edgardosantana]

Man, I am SO glad I found your channel and on top of what, what a happy coincidence that you're sponsored by Notion and have a Credit Builder template. I almost left watching this video for later today or during the week lol. So glad I stayed! (definitely checking that template) 🙏

[@edgardosantana]

PS. 📝😁

[@jamesmoore5630]

I have AMEX Platinum, Blue Cash preferred and cash everyday. I have 3 Capitol one cards, 2 Discover, BoA, Credit One, Target, Sinclair, Valero, ect.

[@Lifeissorich.]

These videos always do numbers but all you gotta do is pay your bills in full monthly & it'll turn out pretty good.

[@kenlee2923]

Yes but he is right about utilization which is a hidden trick on your credit score.

[@prettyacct]

Exactly! All of these date gymnastics are unnecessary. It will take time like everything else.

[@ianlotty6463]

Did you go in my head and create my dream template Lmaoo thank for this 💪🏾💯

[@OneEyedDreamer]

📝 You're a huge help Sebby, thanks for doing what you do. I'll be checking out that Notion template as well... you had me at organized.

[@GoCrazyBaby3]

Been trying to get my score up to 800 for 2 years now, took a major hit in 2021 after a medical bill went to collections but I was able to pay it back and now I’m back to where I initially started. These last 50 points seems impossible😮‍💨

[@brslove2557]

So when you got hit with the medical collection and paid it off did it revert all the lost points back or did it only give some back? ie if you were at 700 and went to 600 did you go back to 700 or some other number

[@jasonmccann257]

​@@brslove2557 I had a card get sent to collections in August 2022. Before that happened my score was around 678. When that bill got reported it knocked my score down 38 points. I worked my arse off and as of today, FICO score is 705 with that collections on my credit reports. If you pay a collections bill off, make sure you pay them with a certified bank check, that is not attached to your bank accounts. Also have it in writing from the company, that they agree to report to the credit bureau's that the account was "paid in full." Last but not least, get it in writing from that company that they will remove the account from your credit report within 14 buisness days of cashing the certified check, do not take their word for it over the phone.

[@Lfmuzik2]

Sebby, well done, well done in every respect ! Very informative….

[@AskSebby]

Thank you :)

[@DanielRall]

Love the strategy. Sure that this is helping out tons of peeps.

[@jamesmoore5630]

I actually thought that when I barrow money I have the length of the term to pay it back. Because of the financial situation I do not have enough time. So, it seems at least that I am doing fine, it is the system that is failing. Brother James Kendall Moore OSB OFS OSC

[@all4Dorian]

I use my credit as a tool to get things done like side hustle business etcetera!

[@l.a.rivasesq.8841]

📝 I focus on keeping my score stable but I never hesitate to obtain new accounts if I’m going to benefit from doing so. I like to have the best score possible because I prefer to purchase cars with no fee, no interest, loans.

[@mattferencevich7549]

Thanks for the video. I had a 417 credit score in August. I'm up to 566 with no debt left. I have 2 charge offs. I settled 1 and the other is paid in full. I have 1 credit card and 1 credit builder loan. Unfortunately 19 inquiries most about a year a ago. Only 2 within the last couple months

[@ChrisBred4s]

19 inquiries? Holy 🌚

[@mattferencevich7549]

@christianramos2063 last Feb I went to a car dealer for a loan. They said they would check for best rate and and than I ended up with around 13 inquiries.

[@ChrisBred4s]

That’s why you pre qualify before you go so that doesn’t happen

[@ultramet]

Sebby if a big factor impacting one's FICO score is credit utilization, then would increasing the credit limits on the main cards one uses lower credit utilization quickly (< 10%)? Essentially you would increasing the denominator of the utilization equation.

[@gainesconmediainc]

Great info Sebby. 👍🏾😀 I need to have you at my film festival in Vegas.

[@bobv5806]

I’ve learned a lot watching you, thanks! 📝

[@seanrobin6573]

“Absolutely Magnificent insight, Quite Informative

[@aznandyroo]

Thanks for the vid. My 2nd oldest card has an annual fee with no downgrade path lol. It has been useful but this gives me some new ideas for how to help mitigate that 📝

[@AskSebby]

Glad it was helpful! :)

[@alirezasalman]

📝 Hey Sebby! It was great to meet you at Chris' cocktail party yesterday! Love the videos keep it up! 📝

[@AskSebby]

Hi Ali! Great meeting you as well :)

[@hcf797]

📝 great video @AskSebby. This might be a silly question, but if I have a credit card that has a close/statement date for the 3rd, but a due date on the 28th, would I still have to pay by the due date if I make a payment a day before the close/statement date? Also, will definitely check out the Notion template. Looks awesome!

[@robertgudiel4255]

📝 I have a tip! Get secured credit cards to offset high utilization. If credit is at 90% on 10k credit line, add 1k to a Bank of America secured card, instant freed 10% credit utilization.

[@jawtcharlli]

Thanks for the updated way to increase credit score, need to apply it this time. Great bumping into you awhile back at the Apple store (2nd time bumping into you lol), was able to buy the phone a week later 🤣

[@AskSebby]

Nice meeting you! Be sure to check out the templates if you want to track utilization easily :)

[@Tanknuggets217]

📝Thank you so much for your videos!

[@kanakapono]

📝 Fico score in the 820 to 835 range for at least 15 years now. My tip pay off your balances every month and have at least 8 credit cards open. use minimal charge at least every 6 months per card.

[@TheDon6]

Why 8?

[@OscarPerla34]

📝 Thanks again for all your time!, just purchased pro.

[@AskSebby]

Thank you for your support! :)

[@eddieb9102]

📝Great job Sebby...Nice explanations. I think your tool just may help a lot of people become more fiscally aware of their financial situation - especially as it relates to cc usage.

[@MidknightMechanics]

📝nice video sebby. I appreciate all your deep dives on Amex especially. Great work.

[@CAB0809]

📝 thank you for the information sebby

[@SamSung-jv3jm]

Eh, I have pretty much given up trying to get under the chase 5/24 rule. There are so many other cards that I want and can get without worrying about inquiries. I usually get my cards in batches of 4 or 5 at a time. Its getting time to prune my total cards back again. Ive finally gotten back into the Amex and Discover ecosystem recently so my credit future is looking bright. Now Im looking to grow my limits while Im in the credit garden phase.

[@gi4dtv]

I'm only 850 at 2 out 3 companies but even then it doesn't stay at 850, it goes up and down all the time.

[@tatiyanaRDH]

📝 thank you for these helpful tips !

[@luciastan64]

Keeping the usage amount at a third or under is definitely the ticket! I now have a fairly good history and in the last three months increased my credit cards so that my availability will be just under 4000. I find it funny that I’m being courted by a bunch of other credit cards, no name and by that I mean ones that I haven’t even heard of with very high percentage rates. Since my available amount is pretty healthy and I’m in my late 50s which means my credit has a very good history, I’m going to let my credit rest from now until April because I plan to have a major purchase. I look at the credit as a game and I like to challenge myself on how fast I can pay off my credit cards each month if I have use them and watch my credit score a jump. I’ve never been part of the 700 club before and that’s a really good feeling! Hopefully I can get into the 800 club by April. I do have a blemish which I am able to show proof of taking care of that so I believe I have all my ducks in a row and for the first time in my life I am credit confident and so much stress is off my shoulders. Be good to your credit and your credit will be good to you! A tip for people just starting out or even still trying to get a handle on their credit would be to use your card for things that you automatically pay for each month. That way you know it is going to be paid each month, i.e. bills and food.

[@AMEX4Life]

Excellent information Sebby. A+

[@jrr7031]

Yea.....my credit score dropped by 186 points by being 30days late 1x in 6 years. Guess im waiting another 7 years to get back into the upper 700's.

[@StevenLynn]

📝- Between buying a house and opening a bunch of new credit cards my credit score tanked. Plus no current auto loan while previous auto loans are closed with good standings. I am not looking to get a new car or anything. The only reason I was preserving my score was to buy the house. I always thought fewer cards would look better to a mortgage lender. With the house purchase out of the way now I am getting into credit cards cash back for the intro bonuses. The intro bonuses have been helping me get setup in the new house. Long term is to travel.

[@ladykeke77]

📝 thanks, good info!

[@THENIKENERD]

ahhh man i dont know why all this sounds so confusing. I'm trying to get my first credit card but the way people explain it doesn't make a whole lot of sense to me lol. I'll probably get it soon so ill save this for the future 😅

[@BronxY2k2]

Very informative video as usual! 📝

[@sarthakmajithia991]

📝 Thanks for all the great videos, very binge worthy!! I had a question re Travel booking with partner airlines: it was very difficult for me to find eligible flights . could you walk us through a booking with ANA points and booking a partner airline ticket using points? Also how do i buy you coffee? I'm on brannan street!!

[@bibianaohio5399]

Why do you pay all except $1?

[@rpdbu8250]

I filed bankruptcy in 2018. It’s now 2023 which is 5 year later. What is the impact once the bankruptcy clears off my record? I have to wait 7-10 years?

[@tylerbenton4495]

Very informative video. I have one question. Say we're using your scenario. I have a credit card with a $1000 balance. I use $900 every month and pay it down to $1 before the balance is reported to the credit bureaus. Will your credit score actually go up even though your credit utilization stays the exact same every month or will you have to change it up like pay it down to $1 one month, then $2 the next and so on.?

[@duokid360]

As long as it’s consistently below 10%, you’re good! No need to change the minuscule things, you’re doing perfect!

[@YouAREyoubeYou]

It will only go up if you balance utilization was higher the previous month. If this scenario holds true every month, you will simply maintain your score. Now, if you do nothing else you may see a slight increase because of AAoA(average age of accounts) increases.

[@AlfonsoECruz]

📝 My Credit History is new, since 2019, I currently only have two credit cards. I’ve been paying bills on time nothing is late, I’ve stayed below 10% utilization mostly, and I’ve held off getting new cards because I would wait until an inquiry was completely off, I just applied to my second card last October 2021. I’m building credit for the reasons everyone needs good credit, to apply for specific mortgages and loans and more that require excellent credit and I especially want credit cards that have useful rewards.

[@dbest4755]

Sebby -I'm so hesitant to get those nasty Hard Inquiries as it took me years to reach 762 EX 807 TU 804 EQ

[@cathyvroom458]

📝 this is great info good reminders

[@wrayth1465]

Thank you 📝

[@HarjotSingh-rx1pt]

As a 21 yo with a Auto loan and 5 CCs the only thing I can do is wait.😂, i mean my score is already decent 750, but my history is short.

[@zoelynn69]

📝New subscriber love your channel!

[@AskSebby]

Thank you! :)

[@Scrappygymrat]

inquiri ding 2-4 points more available credit +29 points def worth an inquiri

[@gracedbygod2854]

Excellent info!

[@DoctorK80]

Love the vid. 📝

[@clausellray3949]

Great content as always got a question the Amx gold gives you an option to pay a min balance does the Amx plat give users the same option or w/the plat do you pay in full, I hate to pay interest unless I have to Thanks again keep the content coming

[@stefaniaolivier7489]

I have a platinum card. Yes, you can. However, you don’t want to make a habit of it. It may trigger a lower available credit if they think you’ve become a bigger risk.

[@RoRoYesIAm]

📝 Your videos are great!

[@AskSebby]

Thanks! :)

[@oliviarobinson7402]

How long do you think collections affect you if you had a collection for 5 years.

[@sdn4134]

@Sebby But sebby what about if you have a good credit score but a few collections?? Want those collections still affect you when purchasing something??

[@davidj5183]

📝 do you think it’s better to apply for all the cards you want in one year versus spreading them out over consecutive years? i already have a mortagage and my car is paid off

[@AskSebby]

Depends on what your goals are for credit cards. If it's travel, focus on Chase cards first. Also factor in if you can meet min spend to get intro bonuses. I wouldn't get more cards without a strategy in mind.

[@kenlee2923]

Sebby is right. It is based on your spending habits and your plans. Don't open more than you can afford to spend to hit intro, and Chase has one of the most stringent requirements for opening accounts, so start with Chase, then move on to the others. If you plan to open more Chase cards, then you will need to restrain yourself from opening accounts until you go below 5/24.

[@davidj5183]

@@kenlee2923 i already have freedom and csp. acquired those between march and october of this year. was thinking about getting amex so all my inquires fall off during the same year

[@kenlee2923]

@@davidj5183 Nice. Go for the gold one via Resy partner offer but if you want the plat or the blue cash preffered then is better on their official site. resy->amex offers and you will get the Receive 20% back as a statement credit on purchases made at restaurants worldwide up to $250 back in the first 12 months

[@jimvanover]

📝 Do you do private consulting?

[@MJ-tastic]

Do you have an Excel/Numbers version of the free Notion template? I find it difficult to navigate on my iPad.

[@loribroughman4182]

I already knew all of what you said but figured I would watch in case I found out something new…you never know, right? But I do have a question. My total CC utilization is less than 30% ( right now higher than normal due to house repairs, usually about 5%). But one card is about 75% - it has a 0 interest feature for over a year so I put the repair costs on it. Is having one card balance very high what has severely impacted my credit score? I would have thought since my total utilization is still below 30% and the amount isn’t that large overall that the impact would be as severe. Thanks

[@JungleBoy607]

📝 Great video 💯

[@AskSebby]

Thank you :)

[@ctetuning]

Is it good to owe $2500 and let it show to the credit bureau on one credit card, then pay it in full for and repeat for a few months will this help with getting a expensive car loan BESIDES great Credit utiliziton and all that other good stuff basicly showing you pay off big balences no problem and have had other auto loans in the past all paid on time as well.

[@jamesmoore5630]

I am 61 and my credit age is 5 years, I have 31 hard hits, I lease my house and my landlord will not report my house payments, my usage is 35% and I have 15 cards, 3 personal loans, a car payment, And two banks. I get $150,000, per year.

[@jamesmoore5630]

My credit score started at 743 and it is currently at 608. Discover and upgrade have cut my credit limits, and I don't dare apply for anything as I will be turned down. I can't seem to get my score over 650.

[@justicemarketinghq8180]

I recently applied for a Wright Patterson Credit card. I am a 1099 at my current job. Denied! The official denial letter states denied due to low income. They requested last 2 years income tax returns then said my income is $3000 a year because I itemized. However, my gross is $62,000. What should I do? I have been working on my credit score for 3 years trying to be in a position to buy a house.

[@johnathanellis9010]

Hi sebby. Why do you leave one dollar as a balance. I make several payments a month to make sure I’m at zero . Am I working too hard . Im trying to get to 800 before i finance a car in a couple months

[@jonathanfactor6688]

Good information thanks

[@AskSebby]

Thanks for watching!

[@lindsay3995]

In what universe is your score actually reported/reflective at the closing of your statement? My Credit Score consistently reflects the actual picture 2-3 months previous and there's no rhyme or reason to how long it takes to actually show correct info on reports. Even when it does catch up for one CC account, by that point 2-3 other items on the report are 1-2 months behind. Maddening.

[@ezratafilele5044]

I have a 300 credit limit but i pay 299 leaving the 1 but when do i pay the 1 ???

[@reidloscidem3562]

I messed up by paying off my collection debt. Now it's on my account for another 7 years. 😔

[@vinceal-sherifi1083]

I was irresponsible with credit before. Four months ago, I signed up for the Self credit builder account and now it's jumped almost 100 points! I highly recommend it to those that are looking for a second chance like me! 📝

[@jaymoney1224]

Can you downgrade from an Amex platinum to Amex Gold after a year?

[@benjaminmelendez5672]

do dormant accounts affect your credit in a negative way?

[@wdeemarwdeemar8739]

Post it note emoji. Appears I don’t have one in my I pad.

[@JPCNYC]

How about a video on Amex platinum no preset spending limit. I feel like it’s a set up. 😅

[@AskSebby]

Yes, it's a trap. Video here: kzbin.info/www/bejne/e6OUpZaJl992aNk

[@ZakBoxer]

On the topic of optionality and downgrade paths, I really want to open the Amex Gold but there is none here. I wish Amex gave you the option to change it to a $0 annual fee card

[@cathyvroom458]

You’re in good company and the green card downgrade is 120 ? It used to be $30 😢

[@junkmail1203]

Best way for me was to ask for credit limit increase.

[@DidIDoThaat]

I'm confused to why I got dropped 13 points after paying off a credit card to 7% utilization from 33% 📝

[@intiensify]

SEBBYYY💜💚💜💚

[@AskSebby]

:)

[@wavegodmarc9392]

Is 0% at statement close date good?

[@Peteliao]

I have a few missed payments. I know it will take 7 years to drop off. Let’s say from now on I am 100% on time payments. Will I still be able to get my score to 700+ or I need to wait 7 years?

[@danielberry5910]

I’m above 700 and I’ve had a late payment every month for the last 2 years. Didn’t monitor my credit, just looked at it for interest sake. Found a forgotten account with a $250 balance that has dinged me monthly for 2 years. Stupid, I know. But answer is, yes, you can get above 700 despite this.

[@sdfawe-qo8eq]

damn. 600 to 800 credit score in two months? Took me two years to achieve that.

[@loganrapelye7519]

Does the Bank of America student travel card require you to have employment to get it? I know it’s not required, but to like to have a good chance at getting approved. I’m in school and not employed so I was wondering if I should risk it and apply?

[@jaypoon6655]

I was in your shoes when I was in college, so I can give you advice. You can get a Bank of America student credit card without being employed as a student, but it would help if you had a checking and/or savings account with the bank before applying. You can try right now, but the chances of being approved by Bank of America are really low. Even if you are rejected, you can open a bank account. I don't remember the exact details, but the minimum maintained balance for student checking and savings is either zero, in which case you can keep a zero balance, or it is 100 or 1000, in which case you will need to ask them, using financial aid, grants, and/or even money from your parents to deposit into your account, then wait between 6 and 12 months and apply for a credit card. After you get your first card approved, you can basically apply for a different student credit card 7-12 months(but I would recommend 12 months) later. After that, your credit score will slowly grow, but it will probably be around 660-690 since the age of your accounts is low. You also want to keep your first credit card open for the rest of your life, even if you throw it in the drawer and never use it again, because it will be your foundation card. I hope this helps.

[@farunlitunknown3880]

Nobody:... Sebby: *whips out knife*

[@TheKennedysFamily]

You are awesome