Thank you for the comments and we will look for a different card company but I think it is ridiculous for Chase to not give someone who makes almost 200K a year a (redacted) Freedom card even if they are only 23.with a limited credit history. What made me particularly mad was they did not report the AU status to any credit bureau. They initially pulled TU and denied the card. When we talked to reconsideration the agent suggested pulling a different bureau giving the impression that the AU status would make all the difference. But still no notification or approval and I assume two hard pulls. Part of the reason I put my daughter on the card in the first place was to get her some credit history and certainly bloggers like TPG gave the impression that it would.

HawkeyeFlyer with the multitude of signup bonuses for the various card iterations that we have received over the years I feel we have well gamed the system. But those days are over. Maybe its time to put everything on my 2% Fidelity cash back card.