I live in the US since November 2019 and have been an authorized user on my partner's credit card since then, which resulted in a credit score of 787.
I opened my own bank account in October 2020 with Capital one, both checking and savings.
I got a job a month ago and thought I would be able to get my own credit card at that point. So I applied for my first credit card with Capital One- I chose a card based on the credit score and I was denied. Reason was length of credit history and lack of experience with high line of credit.
So I wanted to play safe and applied for a secured credit card with Discover and was denied again. At that point I became desperate. My credit score decreased to 777 (Vantage). That's still good, but what do I do now?
How long should I wait before applying again? My employment started on 7th December 2020, so should I wait a certain period of time? Or after receiving my first pay check? Any tips are welcome!
I have read everything about credit cards and building of credit (nerdwallet etc), in the meantime I keep getting these emails telling me my credit score is very good, which makes me want my own card - I'm no crazy shopper, but want independence.
Requesting my credit reports was a pain in the b*tt, because I haven't lived in the US for 2 years, and the results are kinda vague to me... Please help!