DoingHomework wrote:If you are 40 years old why do you say you have no credit history? You almost definitely have some history even if it is bad. Have you ever had any account in your name (utility? Bank acct, rental lease, etc?) Are you new to the country?
Yep. I came to the States in 2010. That's why I don't have any credit history. New guy to the states, but an old guy. :-(
By the way, if the bank credit officer insists my wife cosign the card, whose credit history will be built up with the card, if approved?