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07-24-2013 05:56 AM
I would suggest having her use the BoA card for a couple months maybe prior to asking for a CLI because they might question the need for an increase when she's never even used the card. I know it seems maybe Chase Freedom might be a good shot for her credit file especially with her score. And if you are eligible for NFCU they would top my list of places to start with. They are very generous with their approvals/CL.
07-24-2013 06:21 AM
+1 I would use a little and get some payment history on that account. I'm thinking if she does apply for other cards, their computer will look for payment history on her accounts, and could possibly deny based on no payment history reporting. I have personally seen denials based on no revolving payment history. Then again, it could be a YMMV situation
07-24-2013 06:38 AM - edited 07-24-2013 06:40 AM
Might be overanalyzing a bit?? If that is her true FICO score (not FAKO), then I can't see any trouble getting approved for Discover IT or Chase Freedom or almost any other issuer. Head on over to www (dot) creditcards (dot) com/cardmatch to see what might be recommended for her. Very likely an Amex will show up on that list too.
07-24-2013 11:53 AM - edited 07-24-2013 11:59 AM
I finally got a hold the account. Here is a screenshot of the summary. http://i.imgur.com/TyVCA4y.png
6.5k on student loans , 700$ bank of america credit limit but no balance on revolving accounts.
07-24-2013 12:00 PM
07-24-2013 12:38 PM
I'd personally go for the Disco IT right now. I'd be sure to put a small charge on the BoA card so it is not closed due to inactivity and ask for a CLI after a few months of use.
Instead of applying right away, if you just check the pre-qualified forms online she could easily be getting better offers in the mail. Offers like lower APR, longer 0% intro APR, etc.
Chase - Check for pre-qual and/or mailed offers in left menu
Citi - in the middle of the page under Card Application Options, you'll see a link: Are You Pre-qualified for a Card?
07-24-2013 12:42 PM
07-24-2013 01:19 PM
07-24-2013 01:46 PM
07-24-2013 01:53 PM
I want to reiterate what I suggested in your other thread. Transferring your debt, no matter how small or large to your GF is not a good idea. Paying down your util, obtaining CLI's for you would be the best choice.