So, I'm 20 and still don't have credit. I wouldn't be so eager to get it either, but AT&T want me to throw down $500 for a deposit when I buy my iPhone. I just don't have that kind of money right now. I've already budgeted for the cost of the phone and monthly costs, so the phone I can pay for, it's just the deposit that's getting me. Now, I've talked to my mom about getting a first credit card and she's bitching about how I shouldn't get it and blah blah blah. Now, if I knew how to go about getting one myself, I'd just do it since I'm 20, but yea, I've got no clue what I'd be doing and well, I don't wanna fuck myself up even more by getting into debt.
I've heard that the 'piggybacking' method doesn't work anymore, but there's a way now to do it still. But, I'd need to be a joint account holder on the account, which my mom's credit is poor, so is my dad's. My grandparents on the other hand have a score of like 800 or something, but I just know they're not going to put my name as a joint account hold or nothing.
So, how should I go about getting my credit built up? I did try and apply for a card from Paypal about a year ago, but got denied. I'm at a lost, and don't say just wait on the phone, I've been eying it since the original came out and I'm about to fucken die to have one, yea I know, it's a trend isn't it. I've already set out how much it'd cost monthly, it's just getting past the deposit.
Any ideas? If I do some how end up getting approved for a card, it'd be for simple things I could pay off on time so that those nasty interest rates didn't get me, but would that have no affect or what? I'm talking simple gas fillups only.