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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?


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Mega Contributor
Creditaddict
Posts: 18,804
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 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
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
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Mega Contributor
Creditaddict
Posts: 18,804
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 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
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
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Goal Score: 760-780


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Mega Contributor
Creditaddict
Posts: 18,804
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 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
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.


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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
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