Landline needed for CC approval?

[seetheworld1]

Hi, guys,

This may seem like a really stupid question, but I haven't had a real CC in many years and I'm preparing to apply for a couple of prime ones now that I've got my credit repaired. Do I need a landline phone in order to be approved? I've read that some people were intially denied a card but then the banks called back at the home number they provided to verify info and they were then approved. I haven't had a landline phone in maybe 10 years. I use my cell as my home phone and it's been great. Does anyone know whether this would be a problem for the banks? (I have a thin file -- one car loan that's more than 2 years old and a Capital 1 secured cc that's under 2 mos old). I'm going to let the cap 1 secured card report for a three or four months more and then app for a Chase and poss Cap 1 Venture or Discover and I wondered whether the lack of landline might be a problem. Any insight is greatly appreciated. Thanks for all the advice you've given me!

[Creditaddict]

It's all about matching credit reports.

cell phone is just fine though I use it for everything

[FocusedAndDetermined]

Nope, you don't need a ladline.  I only put my cell on apps.  No probelems at all.

[Radek7752]

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@seetheworld1 wrote:

Hi, guys,

This may seem like a really stupid question, but I haven't had a real CC in many years and I'm preparing to apply for a couple of prime ones now that I've got my credit repaired. Do I need a landline phone in order to be approved? I've read that some people were intially denied a card but then the banks called back at the home number they provided to verify info and they were then approved. I haven't had a landline phone in maybe 10 years. I use my cell as my home phone and it's been great. Does anyone know whether this would be a problem for the banks? (I have a thin file -- one car loan that's more than 2 years old and a Capital 1 secured cc that's under 2 mos old). I'm going to let the cap 1 secured card report for a three or four months more and then app for a Chase and poss Cap 1 Venture or Discover and I wondered whether the lack of landline might be a problem. Any insight is greatly appreciated. Thanks for all the advice you've given me!

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I haven't had a landline since 2007 and I started acquiring cards when I turned 18 a year later. I have never had an issue with my cell number being listed on applications. Times have changed and I am sure most businesses are aware of the growing trend away from landline phones. I have done business with the banks you have listed and my cell phone hasn't been an issue at all.

[longtime_lurker]

You'll be fine - if they need a manual review to verify information they will call the number you provided, so no worries! Good luck and keep us posted!

[seetheworld1]

Wow! Thank you all for your quick response. I really appreciate it. 

[otter69]

If you are trying to get a card with CitiBank, they occasionally make you jump through silly hoops, one of them being showing your most recent landline bill.

[longtime_lurker]

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@otter69 wrote:

If you are trying to get a card with CitiBank, they occasionally make you jump through silly hoops, one of them being showing your most recent landline bill.

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IIRC, that is to "verify" your id...they made me send a utility statement, student id, SS card, and birth cert...I remember going what.the.bleep... I think they just want a bill in your name at the address you say you're at.

[rushx2112]

I haven't had a landline in all my adult life years and it's never been a problem for me

[takeshi74]

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@seetheworld1 wrote:

I'm going to let the cap 1 secured card report for a three or four months more and then app for a Chase and poss Cap 1 Venture or Discover and I wondered whether the lack of landline might be a problem. 

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I've had accounts with all 3 of those creditors.  Haven't had a landline in ages.  Didn't have one when I apped for any of them.  If a creditor mandated a landline it seems like it would be a mandatory field on the app.