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Member
USC
Posts: 6
Registered: ‎08-20-2012
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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
Cadillac-XTS
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
09Lexie
Posts: 26,273
Registered: ‎09-13-2012
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Re: HELP! Looking for the initial highest CL credit card to apply...

Established Contributor
adavis425
Posts: 525
Registered: ‎02-14-2012
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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
shakalaka
Posts: 567
Registered: ‎09-10-2012
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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 (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Member
USC
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
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
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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
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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

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

+1000

Member
USC
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
webhopper
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
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