Might be a strange question, but I'm still looking to get my fiance a credit card. She app'd for a student loan with Wells Fargo, and when they sent out her paperwork I believe her TU score was in the 660 range. Her score was 608 at the beginning of the year, and a lot of the increase is due to being an AU on one of my cards. I don't know what that will do to her chances of being approved for something since I've read that AU inflated scores don't mean much.
So are there any good recommendations where she could app for something basic, and hope to at least get a secured card offer? The only company off the table is Capital One. We both detest them, and they screwed her royally with their payment protection scam.
Starting Score: 703
Her report does have a few derogs.
A few 30/60/90 lates from 08, and a charge off. Everything has been paid off for over a year.
I've heard the chances of it ever graduating are slim to none with WF.
Interestingly enough, the card she's an AU on is my BoA Amex.
Maybe I'll have her app for one of their cards, and if she gets declined she can try to recon and see if they'll use the pull for the secured card.