i added my child as an authorized user...

Anonymous · ‎12-27-2020

Yes she has a full time job.

coldfusion · ‎12-27-2020

@Anonymous wrote:
Yes she has a full time job.

She should go ahead and apply but keep in mind that she won't get consideration for having a FICO 8 score in the 750s as she has no financial obligations tied to the entries of her reports. Best place for her to start is probably checking for prequals on Discover and Capital One and then applying for a Discover card.

She just has a thin profile so should stay away from fee harvester cards.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

FalconSteve · ‎12-27-2020

@coldfusion wrote:
She just has a thin profile so should stay away from fee harvester cards.

I feel like this is good advice for everyone. Even people with bad credit have secured options (Discover secured, Capital One, many credit unions) that should be explored before those cards.

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL

Anonymous · ‎12-27-2020

small update

thanks for posting the links to thesoft pulls.

we are sitting here checking .....

she was approved for the apple card with a $1000 limit

and a capital one platium with a $3000 limit

she says thanks for your replys !!

FinStar · ‎12-27-2020

Thanks for the update and glad to hear things worked out for your daughter in obtaining her own accounts/approvals. Congrats👍

Locking this thread as per your update. Feel free to start a new thread in the Approvals section if you would like to do so.

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