Reply
Member
Posts: 6
Registered: ‎08-20-2012
0

HELP! Looking for the initial highest CL credit card to apply...

witih a relatively high credit scores and NO INCOME for the time being.

 

I'm looking to obtain a premeier / signature VISA with highest CL at the point of application and approval. Again, NO INCOME for the time being (personal reasons). Therefore, I'm looking for banks which do NOT require a hard income document.

 

The CC's I'm interested in applying are United Mileage Plus® Signature® Visa Card, Chase Sapphire PreferredSM Card and/or Chase Sapphire Card


 Also, it is true if I apply for 2 credit cards (2 hard pulls) on the same day, the latter bank does NOT know if I had a hard pull earlier apps to another bank? Meaning, both banks would see the same score on the same day at least? Or Does FICO score change throughout the day?

 

As of 11/12/2012, myFICO TU: 777 & EQ: 775 and EX PlusFAKO: 783

 

Thank you all in advance.

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: HELP! Looking for the initial highest CL credit card to apply...

Why would you want a cc if you have no income?

Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: HELP! Looking for the initial highest CL credit card to apply...

Established Contributor
Posts: 547
Registered: ‎02-14-2012
0

Re: HELP! Looking for the initial highest CL credit card to apply...

+1

Why?

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Established Contributor
Posts: 569
Registered: ‎09-10-2012
0

Re: HELP! Looking for the initial highest CL credit card to apply...

Well as far as I know, you have to always give them your income once you apply. And you should always give the income you can proof in the case of them asking you to verify it. So I guess there is none.

 

P.S. Overstating your incoming may be illegal (there was a thread couple of weeks ago AFAIK).

Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (16,200) | Citi DCB (7,000) | CapOne (7,000) | Chase Freedom (6,300) | Walmart (4,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)


Member
Posts: 6
Registered: ‎08-20-2012
0

Re: HELP! Looking for the initial highest CL credit card to apply...

I only have 2 CC's with a limited CL. I'm looking to obtain a Signature VISA with a high CL when my scores are relatively good. Basically, I'm looking for my first premier CC right now. My income status will change in the future (again, personal). That's not what I'm discussing here. But in the meantime, could someone help me in findings of what I'm asking? Also, I'm hoping to increase my credit scores once I apply & get approval with a high CL as well and a minimal set back temporarily (a hard pull).

 

Thanks.

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: HELP! Looking for the initial highest CL credit card to apply...


USC wrote:

I only have 2 CC's with a limited CL. I'm looking to obtain a Signature VISA with a high CL when my scores are relatively good. Basically, I'm looking for my first premier CC right now. My income status will change in the future (again, personal). That's not what I'm discussing here. But in the meantime, could someone help me in findings of what I'm asking? Also, I'm hoping to increase my credit scores once I apply & get approval with a high CL as well and a minimal set back temporarily (a hard pull).

 

Thanks.


 

ALL credit card applications that I've seen ask for income. They factor in income in addtion to your credit score when setting your CL. I don't know that it's possible for you to get a Visa Signature without stating some amount of income. And for both legal and ethical reasons, it should be income that you are able to state honestly. So, you may simply need to wait until your income status changes.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: HELP! Looking for the initial highest CL credit card to apply...

+1000

Member
Posts: 6
Registered: ‎08-20-2012
0

Re: HELP! Looking for the initial highest CL credit card to apply...

So, if I'm liviing off of savings for the time being, and curret income is ZERO with a relatively high credit scores, there's no Signature VISA I can apply & get an approval? *Sigh*...

 

Are there any reputable CC's with a high CL only consider credit HIGH scores only?

 

Thanks again.

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: HELP! Looking for the initial highest CL credit card to apply...

[ Edited ]

USC wrote:

So, if I'm liviing off of savings for the time being, and curret income is ZERO with a relatively high credit scores, there's no Signature VISA I can apply & get an approval? *Sigh*...

 

Are there any reputable CC's with a high CL only consider credit HIGH scores only?

 

Thanks again.


If you have some savings money that you'd be willing to put up as collateral, there are several options you can look at regarding high CL secured CCs.  In my experience, you have to demonstrate a long term responsible use of high limits before you'll be granted a Visa Signature card.   If you don't really have an income, then you'll probably have a hard time being approved for a credit card with any type of a limit, as the new CARD act requires lenders to consider your ability to repay when issuing credit card accounts.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.