Have him try the prequal for discover. If he needs to start with a secured card, that one would at least graduate in a reasonable amount of time. Who does he bank with?
Id be tempted to go for both.. but not quite at the same time....
Did your SO file taxes last year? ... Discover has been requesting tax forms somewhat frequently on new accounts,esp secured and they have to be close to whats on the form, not what they are currently making... or expect to make this year.. No HHI here..
Im actually a fan of Discovers secured offering but this change in policy does make me hesitate a bit, esp with the current economic climate but I think its a good card esp for new/thin credit...
Since the SO is in school, id definitely app as a student and I think would be less likely to run into issues, such as listed above.... and less likely to offer you a secured card.... Limit might top out on the lowish side, but id let it ride for now .. Discover uses enhanced scoring on student accounts which is for people with no/thin credit and actually improves the odds of approval...
Apple card could be an option later in the year.. since you can find out if your approved and decline it without the HP...
-J
-J
Think the Apple Card would be a decent option... yes its a bit niche, but its an MC, and Apple is entertaining and even going for folks new to credit ... and you can get a preapproval with CL and APR and reject it... And it has some rewards... But id still go for the Disco first...
-J
