My younger niece that's 18 just applied for her first credit card with Capital One she called to check to status an she was told they need her to send a copy of her ID an social security card. Is this a good sign will they approve her after they verify it's really her?
I also wish she would have told me she was trying to apply for her first credit card cause I would have not told her to her to apply with Capital One.
Generally when they want to verify identity, they have already determined that you are approved. Im with you though, I would not send the info.. I would look for a better card for someone with limited credit history, or a school card if applicitable. Maybe check your local CU's too.
Generally when they want to verify identity, they have already determined that you are approved.
Yeah that's what I thought this being her first card she's just determined to get it so she's gonna fax them her information tomorrow wish her luck lol.
Yeah I thought of that right after I posted, but he said she is going to fax the info so I didnt bother editing or posting again.
I only got it because I work there. I had 0 credit, hadn't started college til a month later and that was my first job.
ETA: Also don't feel bad we get quite a few denials! I heard the bank they use is rough? Not sure how true that is though!
Good! Hopefully she gets one! My first credit card (2 years ago) was my Macy's credit card that I got when I first started working there! Its a good idea to get us younger people started on managing credit responsibly at a young age!
I was reaching for high numbers at 20 as well, high credit card debt! Now I'm just reaching for high FICO numbers and low credit card debt!