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Hello everyone,
I am thinking about applying for the aforementioned Capital One Journey Student credit card for my sister, who has absolutely no credit history, and is still a student. Would she still be approved, even with the base credit limit? I just wanted to get her started with building her credit, and didn't want to go the secured credit card route if I can avoid it. I am considering this over the Discover Student card because she will probably use the card outside the US too.
I am a college student so I have a few friends who tried with no history. They got declined. I applied a month after getting the Discover and got it with a $300CL. Get both, but Discover first
@Anonymous wrote:I am a college student so I have a few friends who tried with no history. They got declined. I applied a month after getting the Discover and got it with a $300CL. Get both, but Discover first
So Discover would get approved with no credit history? Also, if you remember, what was the income they put in for the Journey application?
I got this card as my first card with no prior credit history, and it has worked out quite well for me. I suggest putting $10k+ under income (include any income the user has access to). I started with a $300 CL, and after 5 months PC'ed the card to a QuickSilver and get 1.5% back on all purchases and no AF. That card opened doors to me getting my first Amex and Discover cards. Today, nearly 2 yrs later, My $300 Journey is now a $1.35k Quicksilver. Yeah the 3 hard pulls blow, but she's young enough that they'll go away by the time she needs anything.
For the sake of completeness and for other people searching for this in the future, I am providing an update here. I did end up having my sister apply for the CapOne Journey without a credit history, but she was auto-denied (didn't bother to recon). She was however, approved for the Discover It. She got a pending message so had to chat with a Rep to confirm ID and SSN, but it was approved after that.