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Hey
I was in a similar situation as yours; I applied for the Wells-Fargo student and got it with a $1000 limit.
I did have a savings and checking account with them, and I’m sure this helped. Perhaps before you apply go and open a checking/savings account with them and ask to apply while you’re there.
In addition Wells-Fargo specificly allows you to use scholarships, grants ect as “income”
As an aside I have heard its hard to get CLIP with them, anyone know if this is true?
ive heard that students CAN include scholarship monies in the INCOME section.
on a side note: i think ive read alot of fine print on cards where it states the minimum income is 10k. MAybe OP can re-configure income to include grants,scholarships to meet that requirement
Public records, personal online footprint, other webpages open during access to your application and their website...
@Anonymous wrote:Hey
I was in a similar situation as yours; I applied for the Wells-Fargo student and got it with a $1000 limit.
I did have a savings and checking account with them, and I’m sure this helped. Perhaps before you apply go and open a checking/savings account with them and ask to apply while you’re there.
In addition Wells-Fargo allows you to use scholarships, grants ect as “income”
As an aside I have heard its hard to get CLIP with them, anyone know if this is true?
+1...I've read a few posts of people getting preapproved for the card when opening an checking/savings account at WF. It's worth a shot.
@gettnthere wrote:ive heard that students CAN include scholarship monies in the INCOME section.
on a side note: i think ive read alot of fine print on cards where it states the minimum income is 10k. MAybe OP can re-configure income to include grants,scholarships to meet that requirement
Due to the new regulation you can not solely use money received after the college takes there part as income. Most CC companies actually say it now in the terms of service. Although as a student, especially with student cards.... You can stipulate "income" from say; parents, friends, side job... Cap1 didn't consider my funds I receive after school feels, that was stated in the "other income" section.
Hopefully you can app for another card. Capital One isn't the greatest CCC. Perhaps you could even get a prime card.
Thanks for the replies.
I checked out the Wells Fargo cards again and hate the checking/savings account fees that are required for their secured card, but am still considering it.
Any thoughts on any other cards? I'd hate to have to do another hard inquiry with the recent Cap1 one, and keep getting rejected over and over, but I do want to start somewhere
Thanks again!
Do you guys think I have a shot at reconning with Capital One and maybe saying I'm a full time student too, or is it pretty much set in stone because of income?
Edit:
Also someone mentioned CapOne Journey card. But wouldn't they have my income saved on file from the previous app if I was to suddenly include the other sources on there?
I got approve for my first credit card (with no history) a little over a year ago with only 8k in income.
Also while capital one suck, I bet you can get there jouney card and with 1.25% unlimited cash back its not that bad of a deal.