Credit Cards

[USC]

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.

[Cadillac-XTS]

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

[09Lexie]

+1

[adavis425]

+1

Why?

[shakalaka]

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).

[USC]

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.

[tinuviel]

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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.

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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.

[Cadillac-XTS]

+1000

[USC]

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.

[webhopper]

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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.

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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.