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Re: 44 - I just got a prequalified offer for a credit card today.

34.9% APR.

$250 annual fee.

I understand people may need to reestablish credit. But using cards like that is not the way.

One way is to find someone will will take you on as an Authorized User. I did that for my stepdaughter for a Mastercard and American Express card as she had no credit when she studied in the US. She used/uses the card responsibly and pays off her charges.

She now gets prequalified offers for Discover, Citibank (Custom Cash. etc), Amex, etc - at least 2-3 offers per month. She’s currently living in Japan and is coming back next year, but someone becoming an AU and using credit responsibly is one possible option.