<p>Ok, so I applied for the mtvu card, no previous credit history, and I was rejected for it! Anyone know why? My family also has good credit history as well, so I don't they they have anything to do with it. Can anyone help.</p>
<p>Thank you for applying for a Citi(R) mtvU(TM) Platinum
Select(R) Visa(R) account. We regret we are unable to approve an
account for you at this time because of the following:</p>
<p>o The consumer reporting agency serving your area
has reported only a limited credit history for you.</p>
<p>This sounds strange to me. You might try to call Citi and talk to a representative--I'll warn you that this is a pain though.</p>
<p>Are you listed as an authorized user on one of your parents credit cards? If you are and the credit utilization is greater than 10k, Citi will deny you outright, but I don't think it will throw that message at you. </p>
<p>If my memory serves me right--I was denied too--they should send you a letter in the mail with more details/a URL where you can look at your credit report and a statement saying that if you find an error you have 30 days to contact them for reconsideration.</p>
<p>Call them and good luck.</p>
<p>P.S.
If it doesn't seem like it will pan out, you might try the Amex Blue Student instead...</p>
<p>I got accepted for the first credit card I applied for so I don't know what's up.</p>
<p>One important thing I noticed is that credit card companies ask for "household income" not personal income. So as a teenager, since you are a part of your paren't household, you can input your paren't income. Putting an income of more than 100,000 certainly helps getting a credit card. Under "job" I just put my parent's name.</p>
<p>Note that cclu's advice is good in general but irrelevant for the Citi MTVu card because Househould Income (HHI) is not taken into consideration on the application.</p>
<p>I'd also warn not to put your parent's name as your job because if you are subject to financial review for whatever reason, they will probably drop you based on this. If you run a website, work for someone, are working for someone over the summer before you go to school then list that job. If you are work-study list your employer as your University and your job as something general like Research Assitant, Administrative Assitant, Information Specialist, Information Technologist, etc. Don't put 100k+ for HHI unless your family does bring that much home.</p>
<p>i applied for the mtvu card a year ago and was approved, my credit score is at 736 right now. i put down my parents income though. yea...i really dont know why they woudl reject you, its a student credit card... did you have a job or anything?
well 'ya know if you really want to start out new try capital one (even though personally i think it sucks), they give you a fairly small credit limit and is relatively easy to apply. in regards to mtvu, the rewards are good but take a long time to accumulate, it took me a year to get the 10,000 points bose triport earphones and sell them on ebay for $100.</p>