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Zero Credit Score Givers in your 20's

Super Contributor

Re: Zero Credit Score Givers in your 20's

@Anonymous wrote:

@wasCB14 wrote:

If I had to start from scratch, a secured Discover would be my first step.


If he has a Chase checking or savings account, Freedom is a plausible approval.

I was denied Chase Amazon (old version). Lending has told me that they don't consider a banking relationship because it's "discriminatory".

Yes...I'm not entirely sure what to make of that.


I've heard Chase say that, too, but at the same time, anecdotal evidence suggests being an existing customer can help when a person is new to credit.


Maybe it's because Chase already has some proof of the CC applicant's identity. Maybe it has no role.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
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