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Planning my goal cards

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Valued Contributor

Re: What CC to apply for?


@jimmy2000 wrote:

@AllZero wrote:
Have him join a credit union like BECU and DCU.

Has already been a part of BECU for awhile Smiley Happy


Well, there you go.  BECU.  They offer a "low-rate" visa (as low as 8.90%) but if he's been banking with them he might be able to get their cash-back visa that pays 1.5% cashback on everything with no AF and a low APR (as low as 11.90%).   Either one of those would be a great first card and approval odds are higher if he has account history with them.  Keep that for a year or so and then branch out to other national lenders.



Updated 10/08/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 27+ years;
AAoA = 8+ years; AoYA = less than 1 year (Aug 2020)
Total Open Credit Lines Over $538K. Utilization Less Than 1%.
Inquiries until Nov 2020 (TU:3 -- EQ:4 -- EX:9)
New Accounts: 3/6 months; 8/12 months; 12/24 months (as of 10/15/20)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 11 of 16
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Super Contributor

Re: What CC to apply for?

^ Smart move on waiting on BECU. They have the no frills, no rewards Visa starting at 8.90-19.90%

You can have him try Citi's prequel site to see if there are any hits.

Have him try the other prequal sites too.

You'll know where he stands based on the offers or no offers.
Message 12 of 16
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Super Contributor

Re: What CC to apply for?

Inspirus Credit Union is the one in Washington state I mentioned.
Message 13 of 16
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New Contributor

Re: What CC to apply for?


@AllZero wrote:
^ Smart move on waiting on BECU. They have the no frills, no rewards Visa starting at 8.90-19.90%

You can have him try Citi's prequel site to see if there are any hits.

Have him try the other prequal sites too.

You'll know where he stands based on the offers or no offers.

100% false.  Pre-Quals are almost never given to anyone under age 21 regardless of true creditworthiness.  I had no pre-quals for all but the Discover card I have with the reason for denial being under age 21.

Message 14 of 16
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Super Contributor

Re: What CC to apply for?

^ As you can see, I'm not 19 and overlooked that fact.
Message 15 of 16
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Established Member

Re: What CC to apply for?

I’d recommend doing pre-qual apps on different websites to see what he’s eligible for as they have no effect to his credit. If he has none then I’d recommend getting the Discover it Student cash back as he will have a better chance of approval and have a card with good rewards.
Current Cards


Future Cards


Message 16 of 16
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