- Centurion Member
- Posts: 262
- Joined: Tue Jul 01, 2014 8:59 pm
- Location: Jacksonville, FL
PlyrStar93 wrote:This can be hard to tell, really. Only credit file in US matters when lenders consider their decisions to give credit. By common sense a prime lender like Chase would not give a credit card to someone without credit history.
I did start with Citi without any credit history, though; one of my friends started with Chase with no history and got $600 limit; another got Discover with $500, also no history. I believe Chase really went into special consideration, while for the others we started with student cards which might be more tolerant with people with no credit history.
The easy way to start--credit unions, secured cards, authorized users. For prime lenders you won't know how comes out until you apply. Most likely your application will be pending because they are not able to verify your information. You should better consult in a branch if you want to apply, they may do some paperwork for you. This might work out, but don't feel surprise if you get denied. No one can give a definitive answer about approval or denial.
My fiancee managed to score a Discover Chrome with no credit history for $500. On the other hand, I've got nearly a year of history and Chase wouldn't even listen to me on the recon line and insisted to try again in 6-12 months and to leave them alone. Ended up going for the two AmEx cards in my signature instead.
So... YMMV. You'd have much better chances with credit unions and secured cards as Plyr said. I started off with a $500 secured card and have had no issues.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14
Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancÃ©e's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000