NO Credit AT ALL, Who to apply with?

[Creditaddict]

I'm helping a friend out, will someone like Citi Bank approve a card with no credit or does he need to head to Capital One or Household Bank?  I would like to see him get the best cards at first so he doesn't have to go back later and replace bad cards once he has credit.

[DI]

www.capitalone.com

[score_building]

if i had to start over, i'd start with a CU cc >>> then app major bank after about 6mos - 1year.

[fused]

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score_building wrote:
if i had to start over, i'd start with a CU cc >>> then app major bank after about 6mos - 1year.

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I agree, or you could apply with the bank you have your accounts with.

[Anonymous]

Then you should avoid HSBC, they're unlikely to give him a card that will grow with his credit,  CapOne probably wont either, low initail CL and higher IR,

Tell him to look into a  secured card thru Addison Ave Credit Union, it looks like a good product to start with,

Good luck,

[Anonymous]

My brother got approved for an AmEx Green with nothing on his credit report.

[fused]

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LLinsure wrote:
My brother got approved for an AmEx Green with nothing on his credit report.

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I assume he didn't have any FICO scores? When was this?

[Anonymous]

CU is the way to go.

[Anonymous]

It was about 2 months ago. He was declined by Chase, Discover, & Kohl's but AmEx took him right away. He does have a decent income though (50K).

[Creditaddict]

citi Student needed further processing

Capital One Declined

Household offered Secured.

REALLY AMEX!!!