Originally Posted by
davidlhanson
I think that AskSebby on Youtube gives good advice to those who are young and want to get credit cards. He lays out his suggestions on a path to CSR and AmEx Platinum.
Do you happen to remember what the video's title was?
Originally Posted by
thunderlounge
Applying for the CSR in 3, maybe 4 years is certainly possible. It all depends on what you do between now and then. Over eager, and you’ll wait longer.
There isn’t any magic cure to give you stellar enough of a history to get a CSR any time soon.
I get it. You have a need today that you can’t realistically meet in a short timespan. You may read of tricks and gimmicks, but they really aren’t the path to instant CSR salvation as they will lead you to believe.
You have a lifetime of credit and point opportunities ahead of you, but you really, really need to build that foundation in order to take advantage of it. CSR, AMEX Plat, etc are the top cards of the game. You have to play your cards right in order to get there. If you do that, as suggested above, you will build that solid foundation and in turn you will be able to get cards at will (within reason, rules etc) in a few years.
I realize my goal is unrealistic. I just wanted to see if there were any cases of thin/new credit files being approved for top of the line cards based on "extra" factors (authorized user history, relationship with bank, etc).
Funny enough, I am prequalified for the AMEX Platinum if I use my uncle's address. I guess I do have some credit history, it is just not tied to my address?