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Valued Member
creditscore780
Posts: 46
Registered: ‎07-21-2010

She Has No Credit!!

[ Edited ]

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: 473
Current Score: 490
Goal Score: 780


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Mega Contributor
Creditaddict
Posts: 16,883
Registered: ‎10-23-2007

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?

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Valued Member
creditscore780
Posts: 46
Registered: ‎07-21-2010

Re: She Has No Credit!!

Thanks, No she doesn't have a score


Starting Score: 473
Current Score: 490
Goal Score: 780


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Mega Contributor
Creditaddict
Posts: 16,883
Registered: ‎10-23-2007

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!

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Regular Contributor
danisgods
Posts: 219
Registered: ‎08-21-2010

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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Mega Contributor
Creditaddict
Posts: 16,883
Registered: ‎10-23-2007

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

 

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Valued Member
computerchris
Posts: 29
Registered: ‎08-23-2010

Re: She Has No Credit!!

Try getting a secured card from a banking institution. 

Valued Member
creditscore780
Posts: 46
Registered: ‎07-21-2010

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: 473
Current Score: 490
Goal Score: 780


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Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010

Re: She Has No Credit!!

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

 

 

Valued Member
creditscore780
Posts: 46
Registered: ‎07-21-2010

Re: She Has No Credit!!

She has a Chase Checking account


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Current Score: 490
Goal Score: 780


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