Next Step for a 18-year old with 788 FICO

[WNA888]

I added my little brother as an AU to a few of my old high CL credit cards. He turned 18 last month, and the tradelines have already showed up on his credit reports.  I pulled his credit score and he already has a FICO of 788.  Obviously, b/c of his age, all his trade lines are just AUs under my account.  I want to him get a CC account in his own name, and I want to know which bank will likely approve him for a CC (i.e., take AU accts into consideration)? TIA

[abundancejones]

From my research, Capital One, Chase, and even Citi will likely give him a starter card. 

Discover will NOT. Is he a college student?

Also, are the cards posting to Equifax?

[WNA888]

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@abundancejones wrote:

From my research, Capital One, Chase, and even Citi will likely give him a starter card. 

Discover will NOT. Is he a college student?

Also, are the cards posting to Equifax?

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No, he's currently a senior in high school.

And yes, the tradelines are in all 3 major CRAs, including Equifax.

Also, because of his score, can he apply for the regular version of the card (non-student) version?

[MoreRewards]

Just curious why not Discover? They gave my lil bro his first card (Low limit though). Then he got a capital 1 steps card.

[eagle2013]

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@abundancejones wrote:

From my research, Capital One, Chase, and even Citi will likely give him a starter card. 

Discover will NOT. Is he a college student?

Also, are the cards posting to Equifax?

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Chase doesn't consider AUs and will not issue any card without 6-12 months prior history. He'll either have to get a secured card, or perhaps a student card. I would recommend BofA to start.

[DrZoidberg]

I bet he could get an Amex BCE or Citi Thank You. 

[WNA888]

Thanks for all the input guys.  Keep these data points coming, so I'd know which one(s) to get him initially.  Would be a shame to waste an inquiry and get denied.

[Jess21]

BoA gave me my first CC, without ANY CREDIT at all so he can try that since he already has some history.  I think capital one is very good for starters, they Visa Journey card does not have an annual fee however it does have variable interest

[DrZoidberg]

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@Jess21 wrote:

BoA gave me my first CC, without ANY CREDIT at all so he can try that since he already has some history.  I think capital one is very good for starters, they Visa Journey card does not have an annual fee however it does have variable interest

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This a good one too. I bet he could get a BoA. Just make sure it's not a Signature Visa, I don't think he would qualify yet. 

[EmpressLuv]

My daughter was an AU on two of my cards for a little while.  She recently turned 19 and also a college student and Discover recently approved her with a $500 limit.  When they sent the card, it had her score at 735.