| Last year, a lot of new freshman who posted on CC received credit card applications in the mail, but were then turned down because they had no credit history (I think Citibank was a prime offender). We are members of USAA, which serves families of past and present military personnel. USAA offers a student card that is automatically approved for members' children, regardless of whether they have a job or a credit history. It offers a $500 limit for freshmen, going up automatically in increments each year as creditworthiness and responsibility are established. An auxiliary card on a parents' account does not establish a students' creditworthiness. To accomplish that, the student must be the primary account holder. |