College Student - 22 - Wanting Credit Card - Little Income

Driving_Soon

Hey!
I was wondering if anyone could help me.
I am 22 years old and a student.
I am currently at college, but going to university in September (I have an unconditional place - firmed).
I want to get a credit card.
I will be paying this off every month without question, so interest rate is not really an issue.
I don't have much income at the moment, I have tried to apply for a few credit cards but they have turned me down (due to the fact I have basically no income).
Really, I'm happy with a student credit card BUT they ask for the Uni course code but of course, I am not at Uni at the moment, just college.
Anyone know what I could do in my position?
Thanks!
(Btw, though I have no big income, I do have £25,000 in savings ... I don't know if this helps my cause or not)

CLAPTON

wait until summer and get a student current a/c; many will also offer a student CC with a low credit limit.

bengalknights

Try a Vanquis card or capital one card.

izools

Yup, Capital One

Saints2011

Or your bank

ILW

If you pay off every month, why not use a debit card?

jakesuk

Which bank(s) are your savings account(s) with?

You have more chance of getting a credit card with them. Also from experience they will offer you higher credit limits.

Agree with Clapton that it might be sensible to wait for your student current account as likely they will offer a credit card.

archer7

Just wait for the student account and you'll get one far more easily. You can also count student loans as part of your income. If you're paying it off every month, it's not as if you have any legitimate need for the credit now, so wait.

Sorilla

jakesuk wrote: »

Which bank(s) are your savings account(s) with?

You have more chance of getting a credit card with them. Also from experience they will offer you higher credit limits.

Agree with Clapton that it might be sensible to wait for your student current account as likely they will offer a credit card.

u

Totally agree, your best bet is apply in person with your bank where you keep your saving account. Set up a meeting with an account manager (first line person after tellers) on a basis of obtaining a financial advice and discuss it, should not be a big deal. Good luck!

moonrakerz

ILW wrote: »

If you pay off every month, why not use a debit card?

And use it in all the sorts of strange places that students go to ?.............