![]() ![]() What should I do? Sit on my joint AMEX and store card until my average age rises back to like 9 months or 1 year or something and try again? Or should I try applying to another card that's "easier," like the Discover It card or something else out there?Įdit: The joint AMEX card and my solo store card have perfect payment histories and never a balance. But I don't understand, it doesn't seem like this status should correspond to a 708/850, and how does anyone get their credit history underway? Of course, the report from Chase lists obvious reasoning against me like lack of a long credit history. So what gives? I feel like a 708/850 isn't all that bad (Credit Karma lists it as the low end of the "good" penultimate tier out of 5). Well, they didn't accept me, and they reported me at a score of 708. In another thread, I read people here mentioning that the Chase Freedom was a good introductory card and that they would "accept almost anyone with a heartbeat," etc. Credit Karma rates me at about 715-730 over the past month or so, so I thought I was doing pretty well actually. ![]() ![]() However, I got a joint american express credit card with my partner about 8 months ago or so and finally got a score going with that.Ī few months ago I opened a store credit card (to get my foot in the door with a single-card) and this brings me back to an average account age of 4 months between the two. So my background is, my parents scared me away from credit cards until I recently wised up, so I'm a little bit of a late start at 23 years old. who are over 18 and either have a Social Security Number (SSN) or Individual Tax Identification Number (ITIN). residents in other words, people with a mailing address in the U.S. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. How to apply for a credit card How credit card applications affect your credit score Credit card applications are open to U.S. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.And we’ll let you know by email when a new statement is ready to view online. Paperless statements: monthly statements will be delivered online, not by post.You can also add your card details to a compatible mobile device, ready to use online and at checkouts. Contactless cards: make small payments securely and quickly wherever you see the contactless symbol.Not all Telephone Banking services are available 24 hours a day, seven days a week. We're here to help with essential services available 24 hours a day, 7 days a week. UK call centres: our UK based contact centres are just a phone call away.Lots of payment options: you can make your monthly payments in a number of ways, including bank transfer, debit card and regular Direct Debit payments.Complete fraud protection: you won’t be charged for transactions you didn’t authorise, as long as you tell us right away when you spot something odd, or lose your card.You can also make payments, request transfers and more. ![]() Manage your account online: on your computer, tablet or phone, you can check balances, recent transactions and statements. ![]()
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