Author Topic: HER FIRST CREDIT CARD  (Read 5791 times)

Offline SPLP

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2011
  • Posts: 1702
  • Total likes: 6
  • DansDeals.com Hat Tips 2
    • View Profile
HER FIRST CREDIT CARD
« 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

Offline elikay

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2010
  • Posts: 5308
  • Total likes: 9
  • DansDeals.com Hat Tips 2
    • View Profile
Re: HER FIRST CREDIT CARD
« 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.

Offline SPLP

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2011
  • Posts: 1702
  • Total likes: 6
  • DansDeals.com Hat Tips 2
    • View Profile
Re: HER FIRST CREDIT CARD
« 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 ?

Offline myb821

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2011
  • Posts: 7411
  • Total likes: 1
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
Re: HER FIRST CREDIT CARD
« 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

Offline SPLP

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2011
  • Posts: 1702
  • Total likes: 6
  • DansDeals.com Hat Tips 2
    • View Profile
Re: HER FIRST CREDIT CARD
« 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

Offline myb821

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2011
  • Posts: 7411
  • Total likes: 1
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
Re: HER FIRST CREDIT CARD
« Reply #5 on: July 24, 2011, 12:01:42 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

Offline Bp

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jan 2011
  • Posts: 1021
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NYC
Re: HER FIRST CREDIT CARD
« Reply #6 on: July 24, 2011, 01:03:14 PM »
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 !! :)

Offline SPLP

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2011
  • Posts: 1702
  • Total likes: 6
  • DansDeals.com Hat Tips 2
    • View Profile
Re: HER FIRST CREDIT CARD
« 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"

Offline SPLP

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2011
  • Posts: 1702
  • Total likes: 6
  • DansDeals.com Hat Tips 2
    • View Profile
Re: HER FIRST CREDIT CARD
« 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 :)

Offline Avid Reader

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2008
  • Posts: 4016
  • Total likes: 6
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: NYC
  • Programs: Starwood Gold, Accor Gold, Hilton Gold, Hertz Five Star Gold, Marriott Silver, National Executive
Re: HER FIRST CREDIT CARD
« 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.

Offline SPLP

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2011
  • Posts: 1702
  • Total likes: 6
  • DansDeals.com Hat Tips 2
    • View Profile
Re: HER FIRST CREDIT CARD
« 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

Offline yaakov s

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2010
  • Posts: 2411
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: HER FIRST CREDIT CARD
« 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

Offline SPLP

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2011
  • Posts: 1702
  • Total likes: 6
  • DansDeals.com Hat Tips 2
    • View Profile
Re: HER FIRST CREDIT CARD
« 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 ?

Offline yaakov s

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2010
  • Posts: 2411
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: HER FIRST CREDIT CARD
« Reply #13 on: July 24, 2011, 02:59:19 PM »

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25157
  • Total likes: 285
  • DansDeals.com Hat Tips 13
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: HER FIRST CREDIT CARD
« Reply #14 on: July 24, 2011, 03:57:43 PM »
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?
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper