Please Help!

[Anonymous]

I could get added as an AU on other of my parents accounts.

Other than the Blue Cash Everyday, I could be added onto:

Best Buy MasterCard

Chase Amazon

Chase Freedom

Chase Ink Cash (my understanding that being added to this card would be an employee account - meaning that it wouldn't be reported)

Citi Dividend Platinum Select (will there be 5% rotating cashback in 2015?)

Citi ThankYou Preferred

Fidelity Investments AMEX Gold (assuming AMEX Credit Reporting was correct - this card wouldn't be report for me)

Fidelity Investments MBNA MasterCard (unsure if this would report or not)

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Would you all recommend me being added to any of the cards stated above? The cards are all paid in full each month - no late payments in history of account.

Thanks again!!

[Anonymous]

@FixingMyCreditASAP - About how long did you have the secured Harley Davidson Visa until you were first approved for an unsecured card?

[Creditwiser]

You're a college student. Get a Discover IT.

[Anonymous]

@Refugee47 - What would a decent income be considered?

@Petrovius - my parents are not primary members of an FCU. Both my sister and I are members of an FCU and our parents are joint account holders on both my sisters and my accounts (savings and checking)

[Anonymous]

UPDATE!!!

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Before I was added to the Discover it I had checked with Chase, Citi, Bank of America, and AMEX for Pre-Qualified Offers and there was nothing.

Also before being added to Discover, Credit Karma said there was not enough information in your credit report to generate a credit score (aka "thin file").

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I wanted to see if after being added as an AU to the Discover if it helped at all yet........

I went online to Chase to check for Pre-Qualified Offers and it said I was Pre-Qualified for the Freedom.  It also said that the Slate and Saphire Preferred were Great Pre-Qualified Offers.  Since Chase gave me those Pre-Qualified Offers, I quickly checked with AMEX, Bank of America, and Citi to see if they had any Pre-Qualified Offers and they did not.

Since Chase said I was Pre-Qualified for Freedom, I checked my Credit Karma account and Credit Karma says, "Unfortunately, we are unable to provide your credit score at this time because your TransUnion credit report indicates you have a thin credit file."

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Is this a good sign?  Should I consider just going for the Freedom or should I wait?  I honestly do not care about sign-up bonuses at this point in time.

[joedtx]

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@Anonymous wrote:

UPDATE!!!

---

Before I was added to the Discover it I had checked with Chase, Citi, Bank of America, and AMEX for Pre-Qualified Offers and there was nothing.

Also before being added to Discover, Credit Karma said there was not enough information in your credit report to generate a credit score (aka "thin file").

---

I wanted to see if after being added as an AU to the Discover if it helped at all yet........

I went online to Chase to check for Pre-Qualified Offers and it said I was Pre-Qualified for the Freedom.  It also said that the Slate and Saphire Preferred were Great Pre-Qualified Offers.  Since Chase gave me those Pre-Qualified Offers, I quickly checked with AMEX, Bank of America, and Citi to see if they had any Pre-Qualified Offers and they did not.

Since Chase said I was Pre-Qualified for Freedom, I checked my Credit Karma account and Credit Karma says, "Unfortunately, we are unable to provide your credit score at this time because your TransUnion credit report indicates you have a thin credit file."

---

Is this a good sign?  Should I consider just going for the Freedom or should I wait?  I honestly do not care about sign-up bonuses at this point in time.

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Keep in mind CK is paid by the CC for bringing in apps, i'm sure there are instances where they have a valid offer, but if you already KNOW that your file is thin you are setting yourself up for a rejection. I would just get on as an AU on your folks Amex Blue and after a few months of verifed reporting you should be good to go. 

By the way most website pre-quals are usually not worth much, but I have read that the ones from the Chase website are pretty good..... Good Luck.

[Anonymous]

For this Journey card your income is good enough . I know that because my sister was approved for it with a 10 dollars a hour income . Not only that , she had 2 collections and zero credit history . Shes had the card for about 16 months and now her CL is 3300 . Started with 300 .