There is a thread I started a few weeks ago in the Applications sub-forum about helping a family member establish credit history. He settled on applying for the Chase Freedom. It took exactly 22 days for approval after going through the verification process with Chase. Chase was unable to match his SSN with his name. It all worked out in the end.
SL: $6,100.00 APR after intro period: 22.99%
Below are his current DP.
Auto loan: Joint; Paid 64% of the original amount Discover: $5/$5,800 Amex BCE: $0/$18,000 TU FICO 8: 790 EX FICO 8: 776 CK TU: 754 CK EQ: 754 INQ: TU - 0; EQ - 2; EX - 0 (last 12 months) AoOA: 1 year 10 months (Discover) AoYA: 1 year 1 month (AMEX BCE) AAoA: 1 year 7 months Revolving utilization: less than 1% Missed payments: 0 Derogs/Collections: 0 5/24 Rule: 2/24 (not including auto loan)
8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810 Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
@AJC Those accounts all had small beginnings. Discover SL at $1,500 and AMEX at $2,000. I've helped my family members implement all the things I've learned from this forum, such as applying the AZEO method before applying for credit/loan and have at least 1 installment and 3 revolving credit cards to maximize credit score. In this case, I helped him acquire his third revolving credit card to maximize his credit score.