if i had to start over, i'd start with a CU cc >>> then app major bank after about 6mos - 1year.
I agree, or you could apply with the bank you have your accounts with.
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,
My brother got approved for an AmEx Green with nothing on his credit report.
I assume he didn't have any FICO scores? When was this?
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).