High CL at 0%... with 4 months history

[Anonymous]

I have a friend with a completely empty report sans a 4 month old Discover card at ~7% util. They don't have any FICO scores generating yet, but need a second card to help cover some car expenses. They checked for prequals from Amex, Capital One, Citi, Chase, etc. and the only one that gave a single APR rather than the public range was Capital One, but that was only QSO and Platinum without 0% offers. They are an NFCU member and eligible for PenFed.

Any recommendations? My best bet now is an NFCU CR or C1 QSR/SavorOne cold app. Thanks!

[cem13]

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@Anonymous wrote:

Any recommendations? My best bet now is an NFCU CR or C1 QSR/SavorOne cold app. Thanks!

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IMO, one cannot go wrong with NFCU.  However, call a CSR and ask if there are any pre-qualified offers.  NF is a GREAT CU for CC and the Platinum has 0% intro for 12 months.

[Gotham-]

I’m just going to say...

Navy.... DITTO !!!

[mikesonthemend]

Navy's current public offer isn't 0%, but close enough for government work.

[AverageJoesCredit]

Would Cap One even give someone with no ficos a Savor1?

[Anonymous]

They were approved for CashRewards at...

$13k!!!   

[AllZero]

^ Congratulations on their approval!

[AverageJoesCredit]

Grats to DF GHS!

Navy is what Navy does

[Traveler101]

Congrats.

[Meanmchine]

NFCU