Howdy,
I am posting this question here because I think it is a discussion which has value to many new California & specifically new US residents, if lot of people disagree I'll delete it
Right now I need to start working on my credit score which is currently somewhere around 600, its low because I don't have very many lines of credit, or much of a history & my only existing credit-card is a joint one in my wife names (US citizen with much better credit than me). I pay my bills early & have been lucky enough never to make any late payments or do anything which would damage my existing score.
I have been advised by a financial to get a credit-card in my name, make some purchases & pay the balance off on time and I should see a positive effect on my credit score within about 60 days.
One of the only cards it looks like I can get with my limited history & score is the Capital One Cash Rewards:
Capital One Cash Rewards - Apply Online
Does anyone have any experience with this card or with this company? If so, would you recommend them?
The Chase cards look good, as does the American Express Blue cash, but I don't think I quality for any of these. They all seem to require credit-scores above 700 from what I can figure out - but I am open to correction.
All constructive thoughts / ideas / information / suggestions are welcome