topic Re: Any 19 year olds on here that have prime cards? in Credit Cards

Any 19 year olds on here that have prime cards?

SteveUrkel — Sun, 14 Apr 2013 02:58:40 GMT

Like amex or chase ? If so what scores did u apply with

Re: Any 19 year olds on here that have prime cards?

MazdaSpeed — Sun, 14 Apr 2013 03:02:14 GMT

I was 18 when I got an Amex...zync though, have no idea what my scores were back then

Re: Any 19 year olds on here that have prime cards?

Anonymous — Sun, 14 Apr 2013 03:01:26 GMT

perhaps before the financial crisis that was done easily enough, but nowadays without the income to back it up, its hard for 18/19 to get prime cards without fudging things.

Re: Any 19 year olds on here that have prime cards?

SteveUrkel — Sun, 14 Apr 2013 03:02:54 GMT

Im 19 with 1 year credit history, no baddies, 4 inqs since july 2012 with $30,000 income What are my chances

Re: Any 19 year olds on here that have prime cards?

Anonymous — Sun, 14 Apr 2013 03:03:48 GMT

@Anonymous wrote:
perhaps before the financial crisis that was done easily enough, but nowadays without the income to back it up, its hard for 18/19 to get prime cards without fudging things.

I got my Wells Fargo Plat visa (unsecured) back in 2005 when I didn't even have a social security number........lol

i was a student at that time too with very limited income. I had a WF Checking/savings for over a year before I got a CC from them though.

Re: Any 19 year olds on here that have prime cards?

MazdaSpeed — Sun, 14 Apr 2013 03:05:42 GMT

What's your scores?

Re: Any 19 year olds on here that have prime cards?

Rackham94 — Sun, 14 Apr 2013 03:06:10 GMT

I am 18 got Freedom and Slate and Citi Dividend (non-student) Chase pulled TU 711 Fico had EQ 683. Instant approval on all except Citi.

Re: Any 19 year olds on here that have prime cards?

Rackham94 — Sun, 14 Apr 2013 03:07:37 GMT

@CarlosC88 wrote:
Im 19 with 1 year credit history, no baddies, 4 inqs since july 2012 with $30,000 income What are my chances

You know your fico score for TU or EQ? What kind of credit history? Revolving credit, installment accounts, loans?

Re: Any 19 year olds on here that have prime cards?

Anonymous — Sun, 14 Apr 2013 03:13:06 GMT

to OP: How long have you have wells fargo for? Do you have any estimates of your score? FAKO / FICO are fine. You can sign up for creditkarma or creditsesame or some other free service if you don't want to pay.

Re: Any 19 year olds on here that have prime cards?

SteveUrkel — Sun, 14 Apr 2013 03:27:16 GMT

1 year of revolving history. Wells fargo is the oldest at 1 year.. Fico EQ 668 TU fako 688

Re: Any 19 year olds on here that have prime cards?

MazdaSpeed — Sun, 14 Apr 2013 03:28:55 GMT

May want to wait until your AAoA is one year and then try for something like the freedom

Re: Any 19 year olds on here that have prime cards?

Rackham94 — Sun, 14 Apr 2013 03:30:50 GMT

you would be borderline for Chase Freedom and a recon would probably do it..

would stop apping at least for 12 months and see if you can get CLI on any of those at least to 2-4k... definitely on the American Eagle..

are you looking for cash back cards or travel?

Citi Forward is a good student card you could probably qualify for

Re: Any 19 year olds on here that have prime cards?

Anonymous — Sun, 14 Apr 2013 03:31:19 GMT

You only need 1 year of credit history to obtain a chase freedom card. I got my freedom when I was 19.

Re: Any 19 year olds on here that have prime cards?

Anonymous — Sun, 14 Apr 2013 03:31:34 GMT

you have a decent chance of getting approved for chase freedom, those bofa cards (just not privileges or other visa signature cards), citi dividend and citi forward for student, and discover it for student.

i am guessing you're a student since you have a WF college card.

However though they'll most likely give you a limit similar to your WF card.

Re: Any 19 year olds on here that have prime cards?

SteveUrkel — Sun, 14 Apr 2013 03:32:40 GMT

Im not a student tho, i tried american eagle, they couldnt give me a cli , i dont know why they said i would receive letter

Re: Any 19 year olds on here that have prime cards?

SteveUrkel — Sun, 14 Apr 2013 03:34:03 GMT

Im not sure why i have the college card, i applied at a bank one day but i never knew it was the college card one. I was so excited i got approved back in the day that i didnt even realize

Re: Any 19 year olds on here that have prime cards?

Anonymous — Sun, 14 Apr 2013 03:34:38 GMT

if you're no longer a student, ask wells fargo to graduate your card to the platinum version.

you won't get any significant CLI while you're on the college card.

the conversion is seamless. just a phone call and if you want, they can mail you a new card.

Once u convert, auto CLIs should happen once to twice a year as long as account is in good standing.

Re: Any 19 year olds on here that have prime cards?

Rackham94 — Sun, 14 Apr 2013 03:36:34 GMT

Citi Dividend regular i had to recon w/ 711 TU Fico

Re: Any 19 year olds on here that have prime cards?

daybreakgonesXe — Sun, 14 Apr 2013 03:41:06 GMT

@Anonymous wrote:
You only need 1 year of credit history to obtain a chase freedom card. I got my freedom when I was 19.

I concur; I received my Freedom when I was 19 as well!

Re: Any 19 year olds on here that have prime cards?

drew11 — Sun, 14 Apr 2013 04:25:40 GMT

18 years old: PenFed Platinum Cash Rewards

20 years old: Chase Freedom ($3k), Amex Zync (NPSL), Discover IT ($1.5k), Amex BCP ($2k now $6k)

21 years old (in 2 weeks): Hopefully CSP!!!!