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Who gives prequals under 21?

Established Contributor

Who gives prequals under 21?

I'm a student, I'm under 21.

 

I've tried Chase, Citi, Amex, and a handful of other prequal sites. Amex is the only one that ever gave me a prequal. If you're under 21, where have you seen prequals?

 

Thanks!


TU FICO 8: 734 (12/17) — Ex FICO 8: 738 (1/18)
Message 1 of 16
15 REPLIES
Valued Contributor

Re: Who gives prequals under 21?

Nobody.
It's a clear violation of federal law - the CARD act
Chasex3/PenFedx3/NFCUx2/BofA/BMO/AMEX x5(4 revolvers +Platinum)/CapOnex2/DCU/Blispay/Cabelas/BBVA/Fifth Third/Banco de Brazil/BB&T/HSBC/Atira/Commerce Bank/State Farm Visa........I have them all. Except Barclays. They suck. And Sync. They suck worse! And Citi,, because I Have 9,000 Inq.
In the 520-530 range in 12/2015.... Currently EQ747/TU758/EX744
NFCU & PenFed are my best friends!!

In 3/2016 I had a $1800 fully secured CapOne QS. And that was it.. Current CL $247,000 (plus my auto and RV loans)
Message 2 of 16
Established Contributor

Re: Who gives prequals under 21?


fltireguy wrote:
Nobody.
It's a clear violation of federal law - the CARD act

I know they can't solicit under 21, but I thought prequals were a-ok if you put your name in.


TU FICO 8: 734 (12/17) — Ex FICO 8: 738 (1/18)
Message 3 of 16
Community Leader
Valued Contributor

Re: Who gives prequals under 21?

My son received a prequal with Cap1 but not Discover, although he was approved for the Discover card.


EQ 679 EXP 700 TU 763
Message 4 of 16
Established Contributor

Re: Who gives prequals under 21?


medicgrrl wrote:
My son received a prequal with Cap1 but not Discover, although he was approved for the Discover card.

Was on their website or via another route? Even their own website says "To be matched to a pre-qualified credit card offer, you must be at least 21 years old. You must be at least 18 years old to be matched to a credit card offer."


TU FICO 8: 734 (12/17) — Ex FICO 8: 738 (1/18)
Message 5 of 16
Regular Contributor

Re: Who gives prequals under 21?

I only get pre-quals on Amex as well for BCE, ED, and Green. I'm 18.


755 EX (5 INQ) / 758 TU (2 INQ) / 756 EQ (3 INQ) | AAoA: 11 mo (TU), 9 mo (EQ, EX)
Message 6 of 16
Valued Contributor

Re: Who gives prequals under 21?

Is there a specific card you had in mind?

For Chase I can guarantee you an approval for Slate/Freedom/Freedom Unlimited if you're under 5/24 so no need for a prequalified offer Smiley Wink
Message 7 of 16
Established Contributor

Re: Who gives prequals under 21?


Matt4200 wrote:
Is there a specific card you had in mind?

For Chase I can guarantee you an approval for Slate/Freedom/Freedom Unlimited if you're under 5/24 so no need for a prequalified offer Smiley Wink

I'm on the verge of app'ing for the Chase Amazon card, I just don't want to chance losing any auto-luv from Chase on the FU since that had such an awful SL... (I app'd while my Disco was secured/$600 -- I was going to wait but I got the 300/500 offer in-branch for the very card I wanted...)


TU FICO 8: 734 (12/17) — Ex FICO 8: 738 (1/18)
Message 8 of 16
Contributor

Re: Who gives prequals under 21?


fltireguy wrote:
Nobody.
It's a clear violation of federal law - the CARD act

Not exactly:  You can legally get a credit card as young as age 18, the law requires that you have your own steady source of income to qualify for a credit card.

You can get a credit card under age 18 if an adult adds you as an authorized user to their credit card.

FICOs 6/17 - EQ 751, EX 749, TU 760
Message 9 of 16
Regular Contributor

Re: Who gives prequals under 21?

While many years ago I had two credit cards at 18 along with a car loan and furniture financing.

 

I was in highschool still, I had a good money making job at $400+ a week take home in cash.(1992) I obtained all the above by 19.

 

18 and credit can happen! haha.

 

 

EQ: 730 | TU: 735 | EX: 719 || Short Term Goal Scores 750+ || Chase | BofA | Discover | Capital One | Target | EFCU
Message 10 of 16