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Helping someone NO CREDIT... Who is approving?

Epic Contributor

Helping someone NO CREDIT... Who is approving?

I think I read mixed results with:

Discover

Amex BCE

 

who was your first card and within last month that you got it?

Message 1 of 12
11 REPLIES
Contributor

Re: Helping someone NO CREDIT... Who is approving?

My wife had nothing good on her credit (just baddies), and she got approved for 4 cards in the past 2 months.

USAA cash rewards (certain membership requirements) with a 1k credit limit.

Capital One with a 1k credit limit.

Chase sapphire Preferred with an 8k limit.

NFCU flagship rewards with a 16k limit.

Her credit rating was 650 and below among the different CRAs. (Really lucky with chase)

My Wallet: AMEX Platinum | Citi AAdvantage Exec $20k | Chase Marriott Rewards Premier $12k | United MileagePlus Club 8k | FNBO $25k | Chase Military Officers Club $9k | Discover IT $5.5k | BankAmericard $30k | PENFED Platinum Cash Rewards $10.5k | Barclay Rewards $6.15k | USAA AMEX $15k | USAA MC $16k | NFCU Flagship Rewards $25k | Logix $15k | Chase Ink Cash $12k | Paypal MC $5k | Walmart Discover $5.4k | Chase Freedom $2k | Sallie Mae $2k | Target RedCard $300 | JP Morgan Ritz-Carlton Rewards $5k | BoA Alaska $1k

Message 2 of 12
Epic Contributor

Re: Helping someone NO CREDIT... Who is approving?


mattmix36 wrote:
My wife had nothing good on her credit (just baddies), and she got approved for 4 cards in the past 2 months.

USAA cash rewards (certain membership requirements) with a 1k credit limit.

Capital One with a 1k credit limit.

Chase sapphire Preferred with an 8k limit.

NFCU flagship rewards with a 16k limit.

Her credit rating was 650 and below among the different CRAs. (Really lucky with chase)

if she had a score, then she had credit? was she AU on your stuff or had student loans or?

Message 3 of 12
Valued Contributor

Re: Helping someone NO CREDIT... Who is approving?

my first card was the discover more.

I had 0 credit, and went to get an auto loan with a cosigner (approved).

The following month I applied for the discover and got approved (auto loan was not on my report at this point, but maybe had something to do with my approval?)

 

also, it was the normal discover card, not the student edition card.

CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 4 of 12
Moderator

Re: Helping someone NO CREDIT... Who is approving?

Wow, that CSP approval with that score and only baddies with a 8k limit? Was that instant or did she speak with a recon rep? Someone was smoking some crack!! lol
Message 5 of 12
Contributor

Re: Helping someone NO CREDIT... Who is approving?

She is an authorized user on my 6year old 20k line FNBO

My Wallet: AMEX Platinum | Citi AAdvantage Exec $20k | Chase Marriott Rewards Premier $12k | United MileagePlus Club 8k | FNBO $25k | Chase Military Officers Club $9k | Discover IT $5.5k | BankAmericard $30k | PENFED Platinum Cash Rewards $10.5k | Barclay Rewards $6.15k | USAA AMEX $15k | USAA MC $16k | NFCU Flagship Rewards $25k | Logix $15k | Chase Ink Cash $12k | Paypal MC $5k | Walmart Discover $5.4k | Chase Freedom $2k | Sallie Mae $2k | Target RedCard $300 | JP Morgan Ritz-Carlton Rewards $5k | BoA Alaska $1k

Message 6 of 12
Frequent Contributor

Re: Helping someone NO CREDIT... Who is approving?

My mom got approved for CapOne with no credit history with a $500 CL. Her app for first declined but a month later she received a pre-approval offer. Two months later she got approved for the Duck Card with a $500 CL

After making two CapOne payments she got an auto CLI for $1.5k.
CSP: $20k / BarclayCard WMC: $20k / US Bank Sig: $12k / Diners Club: $10k / Macy's: $10k / CapOne QS: $8k / Sportsman's Visa: $7.5k / Overstock: $7.4k / Citi DP: $3.6k / US Bank LOC: $2.5k / Cabela's: $2k / Bank of Hawaii AmEx: $1.6k / Chase Marriott: $1.5k / Amazon Visa: $500
Message 7 of 12
Regular Contributor

Re: Helping someone NO CREDIT... Who is approving?


mattmix36 wrote:
She is an authorized user on my 6year old 20k line FNBO

mattmix36, please come back and spell out what else was on her reports. I find that CSP approval amazing. 

Message 8 of 12
Valued Contributor

Re: Helping someone NO CREDIT... Who is approving?

Seeing a lot of Chase Freedom's and Discover IT's the past few days

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 9 of 12
Established Contributor

Re: Helping someone NO CREDIT... Who is approving?


Creditaddict wrote:

I think I read mixed results with:

Discover

Amex BCE

 

who was your first card and within last month that you got it?


Discover IT is my first card right now (student). I had 0 history when I applied. My very first try was for the student Cap1 card, because it said on their website it was to help build history, but after a triple pull, I was denied for not enough history. Smiley Mad So next I tried Discover, and got the 7-10 day message. After a few days I got an email saying welcome to Discover - approved for $500.






EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)
Message 10 of 12