Chances of getting a UAL Visa Card
 

I'm a student who doesn't have a job (well I do a lot of ebay selling and the like for family so I'm paid in cash and it's not reported income so I fill in 0 on the applications). I have a high enough checking account balance for a good credit limit but that means nothing from the banks perspective. I've had a Chase student +1 mastercard for 6 months now on top of the chase united check card to get my miles. It has a measly $300 limit on it and I've used $90 of it (30%) each cycle to try to build my credit then paid it off in full. Since chase is getting rid of the debit cards that accrue mileage I need to try to get a card that earns them in the future. For a couple of months now I've been getting a bunch of Amex pre approved offers and the like so I assume that means I'm at least building some sort of history. All bill payments in my name have always been on time. If I applied would I have any shot at getting approved for any of the Chase UA visas? If not what would be the next step for me in trying to eventually get one of these cards? Since I'm a student for 2 more years I won't have any reported income until after I graduate since I'm too busy to get an actual job while I'm in school.

I would try it. But I'd also put SOME income on the app. They won't ask for your 1040. Then I'd go to creditboards.com and find out how others have built their credit. Good luck.

I agree with the previous poster about the income. They are asking about household income. Wouldn't that include your parents' income since they are your legal residence?

Back in the day (like 10 years ago) I included my parents' income when applying for my first credit card in college. Household income seems fairly ambiguous. Given that I would often charge groceries or gas for my parents on my card, I don't see why their income wouldn't have counted back when I was in college, even though I lived on campus several hours away.

[This all assumes, of course, that you are a so-called "traditional" student and still use your parents' address as your permanent residence.]

It's a little murky on using my parents income. I don't live with them and my ID and previous card/bank accounts are all at my address. They do pay for my schooling but I'm still not too sure. But I did go ahead and apply and used my roommates income as well as mine. It's not much since we're both students, but it's around 25k total including most stuff. I didn't include EVERYTHING since a big chunk for the both of us is from gambling (we both play poker for income on the side) and the rest is from his actual job and my "job" which is selling things on ebay and taking a cut of the profit. I just signed up for myfico and checked my score and it reported at 735 for equifax. I don't know much about credit scores but I think that's good for only having an account for 6 months? My only worry is that I applied for a student card in October and it's around 6 months and I'm not sure if they'll look at it as being slightly under 6 months since I last applied or not. At any rate I'll hear back in a couple weeks.