I'm a college junior with bills paid thru parents and federal loans for school but no other credit. Credit score of 774 but denied a USAA cc due to income level and the 'not yet due' federal loans on my credit report. What? How can I build credit? Can't I get a low limit card so I can use it, pay it, and build credit? I don't understand. Help....
Hello @BWLuna, there are different factors that do go into the approval of a credit card. If your parents do give you an allowance, you may be able to use this on the credit card application. If you did not please call us at 800-531-8722 to discuss in more detail. If you did include this and were not approved, unfortunately there would not be away around the approval process. -Colleen