THIN file

[Creditaddict]

Yes, I very much believe people need to maintain individual accounts always

[B335is]

Why did you go for Amex Blue? Was your friend pre approved? With such a thin file I would have just gone for a charger.

[Creditaddict]

He was declined both... Amex has been known in the past to issue $1-3k for very thin files I was shocked actually!

[B335is]

Got it. I just caught Blue. I'd still add a store card over Credit One

[Creditaddict]

Express didn't pre-qual.
Overstock or wayfair worth cold app?

[B335is]

Your friend is opted in? If I were cold apping I'd go for a synchrony card before Comenity.

[805orbust]

Truth. I would only go with Comenity through the SCT.  Of course these days it's only a soft pull if you are performing SCT for a store card, not a VISA/MC.

[UncleB]

---

@B335is wrote:
Your friend is opted in? If I were cold apping I'd go for a synchrony card before Comenity.

---

+1

If your friend has a score in the 700s - even low 700s - he should be fine for a Synchrony store card; they might even approve him for the MC/Visa version (if there is one for the store he applies with).  The good thing about this is even if he doesn't qualify for the MC/V version he could still get the store version (with the same HP).

I got my Sam's Club MasterCard with a score in the low 700s.  

[UncleB]

---

@Anonymous wrote:
SCT for Chase Amazon. Worked for me years ago when I had a tax lien and no cards on my file.

---

I could be mistaken, but I don't think there's a SCT for either the Chase Amazon or the Synchrony Amazon card at this time... at least not for me.

I would love to find out I'm wrong, though... this would be great. 

[UncleB]

---

@Creditaddict wrote:
Banks with wells and usaa
Divorce doesn't effect credit but the need for credit with new apt and what not is now the issue!

---

I also bank with both USAA and Wells; FWIW I was able to get in with a USAA card long before I ever had a prequal with Wells, so your friend might be wasting his time (and a HP) if he apps with Wells right now.  (I'm not saying you were suggesting this; I'm just sharing my own experience.)

Since he's with USAA, in a pinch he might consider their secured card.  I agree that it's not ideal (since unless they have changed it will never graduate) but it would give him another account to report if that's his goal right now.