ttdun314 wrote:No, I'm not a student. I've shunned all types of credit for far too long, paying with cash for everything. I had just heard that people with no credit can get the Journey card, despite not being a student. My annual income right now is ~70,000, but that's going to go down in the next month or so, as I'm leaving my job for something that pays less but is far more enjoyable. That's kind of why I was thinking of applying now, but if you think waiting six months, when my income will be closer to 50k, I could wait to apply then.
Unfortunately, I don't have any history with chase. I'm with a local credit union right now, which does offer credit cards but not any rewards cards.
I agree that CSP is probably out of my range. What about the AMEX Everyday CC? Do I have a decent chance of getting either the Freedom or ED if I apply for both?
Considering that you will be in the realm of low CLs for a while, I don't think that a lower income will be a constraint. I think you'll be in a better position with $50k of income and more history than with $70k and less history. Banks usually ask for your updated income before they offer a CLI, anyway.
You'll probably be turned down for any Amex-issued card with less than 6 months of total history.