- Green Member
- Posts: 4
- Joined: Sun May 27, 2012 6:04 pm
- Location: Vestal, NY
I have recently been receiving a lot of pre-screened credit card notices in the mail and I have a few questions regarding them. First my credit scenario:
I'm a full-time graduate student, earning $25-30K a year as a research assistant (no student loans as I'm on a scholarship). When I turned 16 (now 23) my dad added me as an authorized user to his Platinum Plus BOA MC, which he pays in full every month along with all his other cards. Last summer, we decided it was time I got my own credit card to build personal credit as I did not have any student loans/personal CC as an undergrad or grad student. I responded to an offer for the Continental Airlines OnePass MC but was rejected. I also applied for a card through my bank (M&T Visa) and was rejected as well. Then last August, I was successful in getting the Capital One Journey Visa card. I have paid the card in full every month, never been late, and have never maxed out the card. However, the card only carries a $750 CL, so I've still found myself paying my dad back for charges on his MC frequently, which is becoming tedious as an independent grad who no longer lives at home. I have a savings account in my name, 2 checking accounts, as well as a money-market account with over 50K in it.
Anyway, I've received several pre-screened notices from various companies (US Airways MC, United Airlines MC, American Airlines CC, as well as some non-Airline rewards cards). These offers were sparse until 2 or 3 months ago, when I began receiving several offers a week. I just noticed though, that these offers are addressed to the name I use on my dad's MC (Shortened First Name, No MI, Last Name) and not my Capital One card (Full First Name, Middle Initial, Last Name). Therefore, I am a bit weary that I may be rejected for these offers and have avoided applying. However, I am in need of more credit at the time. I was going to wait until August of this year (1 year since first independent card) to apply for another card but would appreciate any advice on the subject. Thanks!