Hey there! I'm new to the forum and also new to building my credit. The only credit line I currently have is my car loan which I cosigned with my mom, and it's helped me get to a 640. I was looking to finally open up a credit card and was looking at the BOA and Discover secured credit cards. For the BOA, is there a greater chance of approval if applying in person vs online or does it not really matter. Also from personal experience, do any of you guys know if my chances of getting approved for these is good with my current credit score?
