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@rbentley wrote:
I stand by my comment that he has no chance on that particularr AmEx card with no SSN and only 2 months of credit history. I don't doubt that you got a Citi Prestige card but I am willing to bet you had much more than two months of history at the time. True?
I have had 10 months with my the first card i got that was the AA. AFTER i had the AA for 10 months is that i decided to give it a try for the higher end card that is the Prestige. I know there was a risk as i have read that you usually need 1 year with a card at Citi to apply for the higher end ones, but i was in the USA Now. And as i can only apply in-person, in branch.. i couldn't wait until month 13, so i took a risk.
I don't know what is my true history, shall i say i started in May 2018 or Nov 2018?
This card that i first got started giving me a FICO score in November 2018.
But it's True. You're right.... i didn't read the card this fellow was applying to.... its the Bonvoy... it's kinda high end... and if you ask me specifically with 2 months ... I don't think that they are going to approve.
Without an SSN, how can they pull your credit history? I am curious about that.
@Anonymous wrote:Without an SSN, how can they pull your credit history? I am curious about that.
Your SSN isn't the only identifier on your CR. It happens to be a very convenient unique identifier (though they are not supposed to use it as such) but your CR can be pulled using a variety of info combinations like name/address/DOB etc.
@Anonymous wrote:
Hold up. Why do you have your ROOMMATE as an AU on your account? He/ she can max out your CL and not be held liable for a single cent.
+1 THIS...unless OP added as AU but did not give him the actual card or virtual number...