I don't know if that has been discussed, if it has please point me to that thread.
My friend has no credit and wants to build it, ideally with regular cards not secured. He has some good cards as AU, but apparently it's not helping much.
Current situation:
CapOne 8.10 yrs, $2,750, $0 Balance
Chase 3 yrs, $7,500 $2,039
Discover 4.6 yrs, $13,000, $2,579
Discover 4.10 yrs, $500, $136
Recently tried Chase IHG but was declined due lack of credit history and high balances (above 1K). Tried Barclay JetBlue today, initially declined due to lack of credit, but recon approved for $500. So what cards would have the best approval odds in this situation.