Originally Posted by
ladan05
This is probably a dumb question but I didn't want to start a new thread thats essential the same topic, so here it goes...Are the cards that you mentioned ok for beginners that aren't students? My GF has a 690 credit score, good job, but has never had a credit card of her own. She has been an authorized user on her parents cards for years and her mom co-signed on her car loan which is almost paid off, but she was denied for the regular Chase Sapphire card. She wants to get a CC, but doesn't want to take another hit on her credit w/o getting approved. With these credentials, what do you think the best card options for her. She'd like one with rewards but is realizing she might not be able to start there. thanks.
She should be able to get approved for the Freedom card pretty easily. I just had a friend get approved for it as his first real card after being an authorized user for about 4 years during the short-lived 35k offer.
Has she tried calling reconsideration for the Sapphire? Chase is pretty lenient, and if you offer a low-risk proposition (such as starting w/ a 1k limit) they will usually approve the application. Note that this assumes the application was for the Sapphire and not the Sapphire Preferred. The preferred has a min credit line of $5k