Misc Credit Card Questions

[Shmiel s]

Which premium CC's (if any) have the highest chance of approval for someone with under a year of credit history, and a score in the upper 600's?

cards from your existing bank.

[KoachHataanah]

cards from your existing bank.

My existing bank is Wells Fargo  .

[yungermanchik]

My existing bank is Wells Fargo  .

Their active cash doesn't look too bad

[ari3]

Which premium CC's (if any) have the highest chance of approval for someone with under a year of credit history, and a score in the upper 600's?

you aren't getting premium cards with that profile. Work on raising your score first. Keeping utilization very low is an easy way to boost your score.

[baron]

you aren't getting premium cards with that profile. Work on raising your score first. Keeping utilization very low is an easy way to boost your score.

If only for high utilisation there are tons of options. Numbers are a horrible metric of credit. It does more to give mortgage brokers (and other lenders) the option excuse to raise a rate unnecessarily even when the reasons don’t bother them, than actually measure risk. Hence the bigger lenders focus more on their own history with you or other factors.
Many reasons someone can have a lower score and not harm much. Fell free to p.m. it’s unnecessary to openly discuss people’s specifics