Limited Credit history, approval odds

[Anonymous]

Lol, thanks for the info! I'm definitely going to check that out and give that trial a go.
A friend that works in American told me about the aviator offer and it's really good, but I think from reading your threat that you have more history than me and better scores, I don't know if I have a good shot at getting it...

[Drwaz99]

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@Anonymous wrote:

Lol, thanks for the info! I'm definitely going to check that out and give that trial a go.
A friend that works in American told me about the aviator offer and it's really good, but I think from reading your threat that you have more history than me and better scores, I don't know if I have a good shot at getting it...

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Honestly, in my opinion, you probably have a roughly equal chance of getting any of those you listed. The co-branded cards like the Aviator might be a tad easier. Obviously, that's my gut feeling after researching and reading thread upon thread. You have over a year of revolving history (with a major CC to boot) and a good score (that should get a nice bump when your newest payment reports) and Barclays is very good at reconsideration requests if their computer should decline you.

Have you tried the pre-qualification tools? I was able to get Capital One pre-quals (Savor, Venture, and QS), but Citi showed 3 cards about 2 months ago then they disappeared and they haven't come back. I've never had Chase prequalify me.

Just some things to think about. It really comes down to what you want out of your card and what you are comfortable with. Good luck!

[HeavenOhio]

@Anonymous, your scores are going to take care of themselves. It's your credit report that matters. It shows one nice credit card with some history, two student loans, and only one inquiry. There's not much for a score to condense. It's a good looking report, though. And it gives you a few good options.

I think Chase would love to have you on board. But as I mentioned, it'd be prudent to start with the Freedom Unlimited. And I think you're good for the SavorOne. Others are suggesting that you need a bit more history for the other cards.

Another option is AMEX. They're likely to come in with a good limit; I wouldn't be surprised if it matched your Discover card. And after 61 days, you can potentially triple your limit. You'd want to do your homework to see which rewards program fits you.

Maybe it's not your long-term card and it turns into a backup. That's OK. Discover and AMEX are both great backup cards as they allow you to keep good limits while putting low usage on them.