This is just my 2nd post on this forum. I am a 20 year old college student with a $35k/year income and no loans or debts. Maybe some of you might've seen my last post asking for odds of approval for an AMEX (link: http://creditcardforum.com/american-express/11357-odds-approval-first-amex.html
Essentially, I received my SSN only a few months ago and was approved for a Green Card a few days ago. My oldest account on my credit report dates back to August 2014 (5 months old) as an authorized user on a Chase Freedom Card. The primary account holder is my wife, despite me being the one who makes all the payments. We also have a joint checking/savings account with Chase (dates back to March 2014).
I (stupidly) wasted a hard inquiry on an AMEX, which was denied. I also applied for a Discover It Student card, which was also denied because of lack of credit history. Discover said they could approve me with a joint applicant, so I applied with my wife (who already had a credit card with them) and was denied because she has to high a balance with them (which will be taken care off in the next few days).
So I was thinking which (unsecured) card I might have a good shot at, and I figured since I bank with Chase and pretty much my entire credit score (706 across the board on the new Credit Karma) is made up from me being an AU on that Chase Freedom card and 2 hard pulls (AMEX & Disocver), they might be the best bank to take a shot with before resorting to a secure card.
The Chase Freedom card is the only card on my wife's credit that does not carry a balance month-to-month because I pay it off in full every month. So, I believe, we're in good standing with Chase.
Thanks in advance!