Prequalified from Capital One

[Anonymous]

Dear all, i just got a letter from Capital One about prequalified offer with no annual fee. Few months ago i tried to apply but got rejected because i don't have any credit score & i don't have a job ( housewife ) but i do have a little income from rent my apartment outside of USA.

My questions : should i try this offer? and will they gonna reject me again just because i don't have any job except an income from husband? I don't really care about the limit they gonna give to me, i just want to build my credit here

and how much income that i should write it down per a year? is that okay if i just write $2500/year?

I am looking forward for some advice here, thank you

[Anonymous]

this may not be the best advice but...

i dont think youll get approved..since you have no job. and if you do, it will be a very, very low limit.

are you a student?

[myjourney]

Honestly with an income that low and a thin file I also think you would be denied again

I would suggest you look into secured cards until your income is much higher

A good one for your profile would be https://www.sdfcu.org/‎

[Creditaddict]

---

@Anonymous wrote:

Dear all, i just got a letter from Capital One about prequalified offer with no annual fee. Few months ago i tried to apply but got rejected because i don't have any credit score & i don't have a job ( housewife ) but i do have a little income from rent my apartment outside of USA.

My questions : should i try this offer? and will they gonna reject me again just because i don't have any job except an income from husband? I don't really care about the limit they gonna give to me, i just want to build my credit here

and how much income that i should write it down per a year? is that okay if i just write $2500/year?

I am looking forward for some advice here, thank you

---

apply

use your husbands income if you rely on that to pay and will pay the credit card with that income.

[Anonymous]

---

@Anonymous wrote:

this may not be the best advice but...

i dont think youll get approved..since you have no job. and if you do, it will be a very, very low limit.

are you a student?

---

No i am not a student. i am a green card holder and i just got my GC so i am trying to build my own credit score, thank you

[Anonymous]

---

@myjourney wrote:

Honestly with an income that low and a thin file I also think you would be denied again

I would suggest you look into secured cards until your income is much higher

A good one for your profile would be https://www.sdfcu.org/‎

---

Thank you for the information, i will try to apply from BoA for the secured card too because i am thinking at least i have an account  so they will not be worry if i couldn't pay them

[Anonymous]

---

@Creditaddict wrote:

---

@Anonymous wrote:

Dear all, i just got a letter from Capital One about prequalified offer with no annual fee. Few months ago i tried to apply but got rejected because i don't have any credit score & i don't have a job ( housewife ) but i do have a little income from rent my apartment outside of USA.

My questions : should i try this offer? and will they gonna reject me again just because i don't have any job except an income from husband? I don't really care about the limit they gonna give to me, i just want to build my credit here

and how much income that i should write it down per a year? is that okay if i just write $2500/year?

I am looking forward for some advice here, thank you

---

apply

use your husbands income if you rely on that to pay and will pay the credit card with that income.

---

Thank you. So i am decide to apply, the income should be from my husband total amount?

[myjourney]

---

@Anonymous wrote:

---

@myjourney wrote:

Honestly with an income that low and a thin file I also think you would be denied again

I would suggest you look into secured cards until your income is much higher

A good one for your profile would be https://www.sdfcu.org/‎

---

Thank you for the information, i will try to apply from BoA for the secured card too because i am thinking at least i have an account  so they will not be worry if i couldn't pay them

---

Good luck I'll be pulling for you

[Anonymous]

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

Honestly with an income that low and a thin file I also think you would be denied again

I would suggest you look into secured cards until your income is much higher

A good one for your profile would be https://www.sdfcu.org/‎

---

Thank you for the information, i will try to apply from BoA for the secured card too because i am thinking at least i have an account  so they will not be worry if i couldn't pay them

---

Good luck I'll be pulling for you

---

Thank you, finger crossed