I've been wanting to get a Chase Freedom, but I have no credit history at all (AFAIK -- CreditKarma said it couldn't find anything for me). The plus side is that I am about to start a job making ~$160k/yr gross income. How likely is it that they'll approve me?
- 24 years old
- I've been a student up until now, and never needed a credit card or any kind of credit before. I only recently realized that I've been missing out on cash back & bonuses, and also building a credit history.
- Since I was a student with not much income, I have virtually no money saved up (only less than $5k).
I called a Chase rep using the number on their website, but she avoided my questions and said I would need to apply to be considered. I'm worried about applying because of the hard pull, especially since they might reject me for having no credit history. I'm considering applying anyway, and then going through a reconsideration (based on this thread: http://ficoforums.myfico.com/t5/Credit-Cards/Chase-Freedom-card-reconsideration/td-p/2501207
which is somewhat similar to my situation), but I really have no experience with this so I don't know what to expect. One of the things I'm wondering, too, is if they will ask for proof of income of some kind? Because as of now, I've signed the job offer, but I haven't started work yet, so I don't have any kind of payroll record.
Any help/recommended courses of action would be much appreciated.