@Creditaddict wrote:im always shocked that we contstantly have debate after debate of where and weather to apply for some place that offers pre-qualified offers right of the website.
check capitalone.com - DO NOT apply without an offer
Check citicards.com - DO NOT APPLY iwthout an offer
Chase.com - APPLY 100% with an offer and apply maybe 75% with no offer considering she banks there
american express - apply 100% with pre-qualified and apply 75% for an everyday card, costco, or charge card with no offer
discovercard - don't bother with pre approval and just apply.
I apped for Cap One without offers (years ago) and always got approved. Just the triple pull.
Maybe times have changed now, for the better.
Get her some type of rewards card, if she's with Chase the freedom is not a bad place to start. Does she like Amazon? Their Amazon CC is great as well and is offered by Chase. Don't just get her a vanilla card, it's really a waste and probably will become a sock drawer card, you don't want to extend your portfolio with something useless. Instead opt for a card that will actually be useful for her while improving her credit profile.
