Need help for wife,thin file.low aa0a,very good scores,Wich cards to appply?

[Anonymous]

To the members of this forum thanks once again in advance.My wife is an auth on 3 of my cards:Cap 1 qs1(2050),bofa travel rewards(2500)and csp(16300)exactly 6 months ago opened a bofa 123 rewards on her own the limit was only 500 but at the time she had a collection showing on her experian, as of now o baddies an her scores are:exp-757,equifax 765 and tu 780 al fico 08 scores ,her aaoa says 1 year, she has 2 inquiries both on experian, now are there any card companies that will give her a shot with her scores and low aaoa?please comments highly appreciated

[Anonymous]

Yes, there are companies that will give her a chance.  What kinds of card is she looking for?  By that I mean, is she into cashback or travel cards?  Also, checked the Chase Pre-equal to see if anything pops up for her.

[Anonymous]

we were thinking about 2 tradelines so she could go to the garden.  one travel and another probably cashback in the chase pre qual she got pre approved for the csp but she is already an authorized on my card.

[Anonymous]

Ok.  If she is looking for one cash back and one travel, that is doable.  Since she is pre-qualified for the CSP, you should have her apply for the Freedom Unlimited.  Also, most travel cards come with annual fees.  Is that something she is comfortable with thus paying fees?

[Anonymous]

she is my auth in the csp and i opened it only 5 months ago and her only 2 inquiries are on experian,so we i think we  will stay away from chase.is the barclays jet blue hard to get? she has 0 inquiries on tu and her score is 781

[Anonymous]

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@Anonymous wrote:

she is my auth in the csp and i opened it only 5 months ago and her only 2 inquiries are on experian,so we i think we  will stay away from chase.is the barclays jet blue hard to get? she has 0 inquiries on tu and her score is 781

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I fail to understand your reasoning with Chase but ok as I respect your decision.  With her score and file, she should be able to get the jetblue card from Barclays.  Whatever she goes with, update the thread with results.

[Anonymous]

oh do not get me wrong i would like for her to apply for the csp i just thought that maybe since she was an auth on a card that was recently opened,they could frown upon it by chase,and also i will update once we apply,thx.

[Anonymous]

I don't think her being an authorized user on your CSP will have much bearing on her getting her own Chase brand card. I would personally check the pre-qual's for all cards. What about Discover for the cash back and maybe an Amex (Delta) or Jetblue card for travel?

[Anonymous]

she got just got in the mail a discover it invite 14 months 0 apr in purchases and balance tranfers  with a fixed apr  of 19.24 afterwards, will aplly for that today and keep you posted

[Anonymous]

Slightly off topic question here for the OP, but on the 3 accounts that she's an AU of, are all of them showing up on her credit reports?