Denied Secured Card

[Cmikul]

Trying to get my employed son set up with a secured card and he got denied. 

How or why would you be denied on a secured funded card?

[JoeRockhead]

Could be a variety of things... insufficient income, or work history.. other negative information on his credit report. Was a reason given yet?

[Cmikul]

no reason

makes plenty

just no history which is why we went secured 

[CreditPoor]

Sorry about the denial. Secured credit card applications can be denied for various reasons, such as insufficient income, a history of bankruptcy, or a low credit score. Lenders assess your financial stability and creditworthiness even for secured cards. Review the denial notice from the issuer to understand specific reasons and work on addressing those issues before reapplying

[NoHardLimits]

Perhaps it's some type of identity verification problem?

[CorpCrMgr1]

Sorry for his denial. Have you tried his financial institution? If currently not or none have him open a credit union account and apply for the secured card there. Good luck!

[nytokyobred79]

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@Cmikul wrote:

Trying to get my employed son set up with a secured card and he got denied. 

How or why would you be denied on a secured funded card?

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I'm not sure if it'll help but have you considered adding him as an authorized user on 1 of your cards that has a long clean credit history. If lack of history is the issue, this may help...although I'm not an expert on this. 

[Cmikul]

He's been a AU on 2 of my cards for 7yrs.  Neither one of them shows up on his report. 

it did zero to help him.  

[pizzadude]

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@Cmikul wrote:

He's been a AU on 2 of my cards for 7yrs.  Neither one of them shows up on his report. 

it did zero to help him.  

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Who are these creditors / CCs that you added him on ? 

[Cmikul]

One is Citibank the other is Amex

Likewise my daughter was an AU on my wife's Amex for 7yrs and it doesn't show up on her report either. 

She luckily didn't have any issues getting approved for her own cards when she turned 18.  

Not sure why my son is having road blocks.  She wasn't employed and got approved for 3 cards solo at 18.  

He has been employed full time for 2yrs and still can't get a jump start.  Report shows NO history.