Author Topic: HER FIRST CREDIT CARD (Read 12344 times)

SPLP · « **on:** July 24, 2011, 10:47:18 AM »

My grand daughter will be away at college this fall she is 18 has a social a few dollars in a savings account , needs a credit card ---any ideas? thanks in advance for any help
I know Citi offers student cards , but no miles

elikay · « **Reply #1 on:** July 24, 2011, 11:29:28 AM »

She'll first have to establish credit before jumping for the miles. A student card plus being added as an authorized user on an established card is the way to go.

SPLP · « **Reply #2 on:** July 24, 2011, 11:34:48 AM »

Thanks -- understand need time to establish the history --- but as a authorized user does she get any " FICO credit " when her father pays the bills on his card ?

myb821 · « **Reply #3 on:** July 24, 2011, 11:53:55 AM »

I have said it once and I will say it again citi counts au's as ur own credit. So if she gets added on to a ur card as an au then after it shows on her CR u can apply for a citi bank aa card and have good chance of getting approved

SPLP · « **Reply #4 on:** July 24, 2011, 12:00:55 PM »

Thanks---That is good news , other than Citi do Chase & Amex follow same procedure ?

IYHO--what C.C. CO. will be the easiest for her to move onto her own "adult" card or are they all the same

THANKS

myb821 · « **Reply #5 on:** July 24, 2011, 12:01:42 PM »

Quote from: SPLP on July 24, 2011, 12:00:55 PM

Thanks---That is good news , other than Citi do Chase & Amex follow same procedure ?

IYHO--what C.C. CO. will be the easiest for her to move onto her own "adult" card or are they all the same

THANKS

i dont know abt amex but chase doesn not they do not count au accounts at all

Bp · « **Reply #6 on:** July 24, 2011, 01:03:14 PM »

Quote from: SPLP on July 24, 2011, 11:34:48 AM

Thanks -- understand need time to establish the history --- but as a authorized user does she get any " FICO credit " when her father pays the bills on his card ?

You can add her as a JOINT account holder to a established chase card, she will have established credit in no time.

P.S. what a zaidy !!

SPLP · « **Reply #7 on:** July 24, 2011, 01:10:47 PM »

I AM TO YOUNG TO BE A ZADIY --- YOU MUST BE OVER 70 -- BUT SOMEHOW I GET THE FEELING THAT MOST ON THIS FORUM ARE MUCH YOUNGER THAN ME -- LOVE TO BE WITH "YOUTH"

SPLP · « **Reply #8 on:** July 24, 2011, 01:12:15 PM »

Sorry for the cap's I was not yelling , just that older men do not type so well

Avid Reader · « **Reply #9 on:** July 24, 2011, 01:17:06 PM »

It's cool to see older folks playing the game too. My great aunt who's in her 70's has been playing the CC - miles game for years and is still at it.

SPLP · « **Reply #10 on:** July 24, 2011, 01:35:44 PM »

with all the spending I did in my life time , if they had the deals that they have today , I would be living on airplanes !!--- i know u have heard this " when i was young" ....

I will just leave it as I have been with Amex now for over 40 years --and they "still " charge me a fee -- so what ever I can get in points ,I earned --

I do appreciate all the input that I have read , I do not write much but do read almost everything --it is the only way to learn-READ AND READ MORE

yaakov s · « **Reply #11 on:** July 24, 2011, 01:50:48 PM »

@SPLP COULD I HOOK YOU UP WITH MY FATHER IN LAW HE NEEDS SOME CONVINCING FROM SOMEONE HIS AGE

BTW WHATS UP WITH GREECE?

HOPE YOU THIS WAS EASIER TO READ

TILL 120

SPLP · « **Reply #12 on:** July 24, 2011, 02:30:40 PM »

YAAKOV --YOUR FUNNY!!

I LIVE MOST OF THE YR IN ATHENS "BECAUSE" MY WIFE IS A GREEK ATTORNEY AND IN NY NOT MUCH OF A NEED FOR HER PROFESSION -- AND US MEN FOLLOW THE WOMAN ( IF WE ARE SMART)--IN THE SUMMER WE LV ON L.I. (N.Y )
NO PROBLEM READING I JUST KEEP A MAGNIFYING GLASS NEAR BY

WHAT CONVINCING DOES HE NEED ?

yaakov s · « **Reply #13 on:** July 24, 2011, 02:59:19 PM »

THESE 8 THINGS http://www.dansdeals.com/forums/index.php?topic=8800.msg105883#msg105883 PLUS A LOT MORE

NOT WORTH IT

AJK · « **Reply #14 on:** July 24, 2011, 03:57:43 PM »

Quote from: myb821 on July 24, 2011, 11:53:55 AM

I have said it once and I will say it again citi counts au's as ur own credit. So if she gets added on to a ur card as an au then after it shows on her CR u can apply for a citi bank aa card and have good chance of getting approved

I noticed this a few years back. But question:

When I was added as an AU on a citi card, my social sec. # was not given during the application process (or anytime after that), but it definitely showed up on my credit report.

I later had it removed by disputing it with experian, but how in the world did they get my social from just my name?

ayg · « **Reply #15 on:** July 24, 2011, 04:47:19 PM »

Quote from: myb821 on July 24, 2011, 11:53:55 AM

I have said it once and I will say it again citi counts au's as ur own credit. So if she gets added on to a ur card as an au then after it shows on her CR u can apply for a citi bank aa card and have good chance of getting approved

My wife has a score on experian of 734 but its all bec she is an au on my accounts.
Are you saying she will get accepted for the citi aa card?

smurf · « **Reply #16 on:** July 24, 2011, 05:50:31 PM »

Quote from: AJK on July 24, 2011, 03:57:43 PM

I noticed this a few years back. But question:

When I was added as an AU on a citi card, my social sec. # was not given during the application process (or anytime after that), but it definitely showed up on my credit report.

I later had it removed by disputing it with experian, but how in the world did they get my social from just my name?

Sometimes if things add up, like your name address and dob. it can show up on the report.

Smokey Joe Robinson · « **Reply #17 on:** July 24, 2011, 06:24:39 PM »

Quote from: smurf on July 24, 2011, 05:50:31 PM

Sometimes if things add up, like your name address and dob. it can show up on the report.

Yep I showed as an au on my dads account since 2003 without a social, I believe that helped me get to where i am now.

AJK · « **Reply #18 on:** July 24, 2011, 08:05:20 PM »

Quote from: smurf on July 24, 2011, 05:50:31 PM

Sometimes if things add up, like your name address and dob. it can show up on the report.

Yeah, except the ONLY thing given was my name. No address, no DOB, no phone # - nothing besides my name.

Weeeeird.

Quote from: Smokey Joe Robinson on July 24, 2011, 06:24:39 PM

Yep I showed as an au on my dads account since 2003 without a social, I believe that helped me get to where i am now.

Did you give them address? DOB? phone #?

elikay · « **Reply #19 on:** July 24, 2011, 08:14:04 PM »

Whadya mean no address, where did the card go to?