I got a unsecured credit card with BoA!

[julieandgreg 35]

Just wanted to let you guys know that I was able to get a unsecured credit card with Bank of America (the cash back one) with a limit of $900! 

 

I first applied for a Capital One unsecured card since I “pre-qualified” for it, but I got rejected after I applied! Then I applied for the secured Capital One card and got rejected as well. (Weird!) So my husband and I decided to go into Bank of America today to talk about my options for building credit. The manager suggested applying for a unsecured credit card first, which I was luckily approved for! 

 

Some things to consider: 

my husband added me as an authorized user to two of his credit cards the moment we received my SSN, which was early September. Some say that this does not affect your credit score whatsoever, but when I checked my credit score on Transunion and Equifax, it was in the mid 700s. 

 

Hope this helps some of you. 

[NYCruiser 423]

36 minutes ago, julieandgreg said:

Just wanted to let you guys know that I was able to get a unsecured credit card with Bank of America (the cash back one) with a limit of $900! 

 

I first applied for a Capital One unsecured card since I “pre-qualified” for it, but I got rejected after I applied! Then I applied for the secured Capital One card and got rejected as well. (Weird!) So my husband and I decided to go into Bank of America today to talk about my options for building credit. The manager suggested applying for a unsecured credit card first, which I was luckily approved for! 

 

Some things to consider: 

my husband added me as an authorized user to two of his credit cards the moment we received my SSN, which was early September. Some say that this does not affect your credit score whatsoever, but when I checked my credit score on Transunion and Equifax, it was in the mid 700s. 

 

Hope this helps some of you. 

Yes it does affect your credit score. AMEX is a great card.  After 3 years, my spouse's Credit Score is 820 and min is 834.

Check creditkarma.com for a free report

[Jeanne Adil 1,651]

also added my husband to the credit card and it does affect his credit / he was given instant acknowlegement and good credit score as the card had been opened several years before he arrived/ the credit score gave him credit for all the years card was opened