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She Has No Credit!!

New Contributor

She Has No Credit!!

I'm trying to help my mom get some credit! She's never had a credit card before and wanted to know which one is the right one to apply for?


Starting Score: 432
Current Score: 573
Goal Score: 780


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Message 1 of 18
17 REPLIES
Epic Contributor

Re: She Has No Credit!!

Best Buy MC will approve with no score.

Then I would wait 6 months and then apply for Citi Forward and Amex Zync, then wait another 6 months and you should be open to apply for anything you want if she keeps her util low on those cards.

she doesn't have a score right?

Message 2 of 18
New Contributor

Re: She Has No Credit!!

Thanks, No she doesn't have a score


Starting Score: 432
Current Score: 573
Goal Score: 780


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Message 3 of 18
Epic Contributor

Re: She Has No Credit!!

seeing your scores, my friend with a 493 also got a Best Buy MC.

do a search in top for best buy pre approval link and try the pre approval, they are handing out the gold card like candy.

be sure to use a phone number in the app that you are right next too, the computer system calls you while making a decision and says "checking connection, thank you" then the approval pops up!

Message 4 of 18
Regular Contributor

Re: She Has No Credit!!

 


Creditaddict wrote:

Best Buy MC will approve with no score.

Then I would wait 6 months and then apply for Citi Forward and Amex Zync, then wait another 6 months and you should be open to apply for anything you want if she keeps her util low on those cards.

she doesn't have a score right?


it doesn't really work like that, they dont just approve anyone, i have seen this before, and believe they will denny it in some cases.

 


Starting Score: TU 715 EQ 704
Current Score: TU 715 EQ 704
Goal Score: 760-780


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Message 5 of 18
Epic Contributor

Re: She Has No Credit!!

 


danisgods wrote:

 


Creditaddict wrote:

Best Buy MC will approve with no score.

Then I would wait 6 months and then apply for Citi Forward and Amex Zync, then wait another 6 months and you should be open to apply for anything you want if she keeps her util low on those cards.

she doesn't have a score right?


it doesn't really work like that, they dont just approve anyone, i have seen this before, and believe they will denny it in some cases.

 


who best buy? well that's why there is a pre-approval... not one person that i know or that has posted on here has been denied yet but I know it's still not a 100% sure thing just the best option for the situation i believe

 

Message 6 of 18
Valued Member

Re: She Has No Credit!!

Try getting a secured card from a banking institution. 

Message 7 of 18
New Contributor

Re: She Has No Credit!!

I already applied last week, did the pre-approval and that was good then I applied for the card and was denied! They said because of a current HSBC card with bad history but I've never been late or over the limit, when I called they said they didn't see that I had applied for the card but it sure came up on my inquiry.


Starting Score: 432
Current Score: 573
Goal Score: 780


Take the FICO Fitness Challenge

Message 8 of 18
Senior Contributor

Re: She Has No Credit!!

where does she have a checking or savings account.   Do they have CC?

 

 

Message 9 of 18
New Contributor

Re: She Has No Credit!!

She has a Chase Checking account


Starting Score: 432
Current Score: 573
Goal Score: 780


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Message 10 of 18