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What prime cards could she get with this score?? Looking for Discover, Mastercard, and amex CARDS. AAOA 2.5, 4 inqries that are 1 year old already, 30% UTL (i know pretty high) Highest CL is $3K. What you guys think!?!
shes 19 and has an income of $18,000
Need more info to answer this question. Does she have any other cards? Any negative info? How many recent inquiries? She could apply for a Discover It student card could possibly get approved for the minimum $500 limit. My first credit card at 18 was through 1st Financial Bank USA even though they are total loan sharks and prey on college students, but I was responsible and kept utilization in full so that card is responsible for my excellent credit history.
wow didn't realize you already answered my questions haha it's been a long day i'm sorry. umm i'm not sure honestly. but if i were her i wouldnt even bother applying for amex or chase with all those inquiries.
No negative info. She has ON $1,300 AE $1,250 Lowes (AU) $8,500 Macys $300 Sport Chalet Platinum(US BANK) $3,000 Chevron $1,100.
Is 4 inq. alot?? They are 1 year old.
We got a feeling that ON and AE will be offering VISA this month, and dont want to accept until she gets prime cards so that once Offers appear her AAOA has lowered with PRIME cards reporting.
4 in one year is a lot for a 19 year old with accounts that aren't that old. I'd wait for those inquiries to fall off in a year before applying for anymore cards. Just my opinion.
even if her AAOA is 2.5 years?. Whats really helping her is that fact that LOWES is reporting "Open Since April 2003"