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I have a sister who is starting out with Credit, no Credit card of her own
She has been AU to my 6 of my oldest CC acccounts for about a year
I think her fico is just above 650
I would like her to apply for 3 cards in one day that will hit HP on each Bureau once
She lives in So Cal
Experian : Chase , Citi
Equifax : Discover
TransUnion : Barclay
I want her to go for easiest approval cards
from TU I think Barclay Rewards is relatively easy approval
Which card should she apply for Experian hit? Chase or Citi?
Any other suggestions on Experian or Equifax card?
Bump
Barclays is accepting everyone and their mother for the US Airways card. Might be something to look into. It's impossible to say which bureaus will be pulled. 3 cards in a day may be a reach for having a FICO of only 650. Is there any reason in particular you want each bureau to be pulled? I personally think getting someone who is new to credit three credit cards is just asking for trouble.
As far as Citi is concerned, I think the Thank You Preferred is the easiest one to get.
I don't have a Chase card so no advice there.
@Anonymous wrote:I have a sister who is starting out with Credit, no Credit card of her own
She has been AU to my 6 of my oldest CC acccounts for about a year
I think her fico is just above 650
I would like her to apply for 3 cards in one day that will hit HP on each Bureau once
She lives in So Cal
Experian : Chase , Citi
Equifax : Discover
TransUnion : Barclay
I want her to go for easiest approval cards
from TU I think Barclay Rewards is relatively easy approval
Which card should she apply for Experian hit? Chase or Citi?
Any other suggestions on Experian or Equifax card?
From what I read in the forums, don't try for Chase, they want to see history with own cards. If she goes for Discover, then apply for regular card and not the student card, my DW applied for student card 1 year ago and they gave her $500, still stuck at that limit, mine was a regular card at $1,000 and now $2,500 with SP.
I just applied for Chase Freedom last week and they pulled both Experian and TU so be prepared for double pull.
I app'd for Chase today and hit up only EQ. I HAD to Recon and he told me they don't care that much about the number, they want to see the file..I would hold off on Chase right now until you get some credit under her name. I would say Discover and maybe Cap 1?