Guidance PLEASE: 18yo - new file

[Anonymous]

Hi guys!!  Ok, need some help which cards to add with slim slim file on my daugher to move her forward.

Current per MyFico:  EQ 676   TU 680  EX 667

Showing on CR ;  

One First Financial Bank cc   $150cl    she opened in April before she thought to ask

One vehicle loan ;  opened Sept 14 - $5k original bal ;  all ontime payments since

She just apped on her own yesterday and got a Capital One card.  $500 cl.

I thought Barclays would like slim files but, got the pending message so she tried Rewards, same.    

    Will call CA when she gets home later today    What would you say Sallie Mae or Rewards better?????

Income $22,750

Anyone you can suggest that would really like her with a slim file??  Without going secured??

[baller4life]

Discover loves thin files! Barclays Rewards is better for her to start with having lil history. Sallie Mae is harder to get.

[Creditaddict]

American Express Blue Cash or Everyday many times loves slim files, gold charge for sure.

Discover

Chase Freedom usually around 6 months (check pre-qual.)

[Anonymous]

+1 on the Amex Everyday suggestion. Fiancee was approved recently with only one other TL. Plus it's good to get her in with Amex early so she can backdate years down the road :-)

Discover as well, I think they are approving everyone now.

[Anonymous]

Does she need a MacBook? Barclays Apple Rewards might like her profile, but if she is turned down for rewards, they won't consider for six months. Know from personal experience.