There are no CO's or major derog's. Actually, there is nothing older than these two accounts on the file. So I am afraid that if apply for this car, they will decline because of length of history. By the way I live in NJ.
My roommate added me as AU on his 4 year old Bofa credit card with perfect payment history and very low utilization. Do you think this helps for the length of my credit history and score? And in the end what are my chances for this card?
Chase gave me an Amazon Card when I really had no other credit history than one Bank of America Card (one month old). Also when I was convincing them to give me a second card, I just explained that my short history was due immigration to the US a year ago and that seemed to satisfy them.
