I keep seeing that Chase won't approve a credit card your first year unless it's the Rise card. Question is my daughter has been an AU for a few years and has a her own Amex and Discover card and turned 18, 4 months ago. She was preapproved for all Amex cards on her 18th bday. She took the cash back card since she has no use for annual fee cards right now. She has a 780 credit score. Would she be approved for a freedom card since tech she has a few years as a AU.
Congrats on her first card (AmEx cash back).
If she has a source of income, my suspicion is she'd get approved. But my recommendation would be to not rush it and let her establish a longer credit history before applying. GL!
P.S. But.... why not start with the freedom Rise? https://creditcards.chase.com/cash-back-credit-cards/freedom/rise
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@Kforce wrote:
In addition, because you like credit cards, and using one for gas,
another for grocery, and another for Amazon, etc.
She might not.
I'm in the same boat with my oldest son...he turned 18 and opened an nRewards secured card with NFCU and I'm having to temper myself about pushing him into the credit card game; he needs to find his own path.
She has a 780 Fico score. She has two cards with a 6k and a 8K CL. The Rise would be stepping backwards. She has been using my cards for a few years as a AU.. She knows how and when to use them and how valuable they are. She wants to work her way up to a 10k card so she can start working on travel cards. She graduates HS in three weeks and is a manager at her job. Her ultimate goals is to have a solid foundation so she can start her own business in a few years.
@FranknBeans wrote:She has a 780 Fico score. She has two cards with a 6k and a 8K CL. The Rise would be stepping backwards. She has been using my cards for a few years as a AU.. She knows how and when to use them and how valuable they are. She wants to work her way up to a 10k card so she can start working on travel cards. She graduates HS in three weeks and is a manager at her job. Her ultimate goals is to have a solid foundation so she can start her own business in a few years.
I don't see it as a step back at all. Even if her limit was lower than $6 - 8k. It would get her in with Chase, paving the way to future cards. She'd get 1.5% CB. A one time $25. I'm not seeing any negatives. Why, what Chase card does she want?
@keekers wrote:
@Kforce wrote:
In addition, because you like credit cards, and using one for gas,
another for grocery, and another for Amazon, etc.
She might not.
I'm in the same boat with my oldest son...he turned 18 and opened an nRewards secured card with NFCU and I'm having to temper myself about pushing him into the credit card game; he needs to find his own path.
My oldest (13) is an AU on my citi Double Cash. On his recent East Coast school field trip, he earned me some pennies...... while spending lots of my dollars. 
She wants the Freedom Flex, Southwest, Hyatt and CSP as of now. She knows she only has 3/24 slots left. Capital One preapproved for all cars except the Venture X but no welcome offers. No Citi love. BOA has sent her mailers. Chase has preappoved her for a 20k car loan to take over my wife's second vehicle but she hasn't done that yet.
@keekers wrote:
@Kforce wrote:
In addition, because you like credit cards, and using one for gas,
another for grocery, and another for Amazon, etc.
She might not.
I'm in the same boat with my oldest son...he turned 18 and opened an nRewards secured card with NFCU and I'm having to temper myself about pushing him into the credit card game; he needs to find his own path.
Good for you.
Hard not to push your view on credit cards because you enjoy the
game as many on this forum do.
I myself have done a 180 degree.
Found this forum in 2015
Started collecting cards, hit 13-14 and decided the extra work was
not worth the extra money.
Today I put all spend on one card.
Yes a little lie.
I need to keep 5 sock drawer cards alive with 5-10
every few months. But 95%+ on one.
My family has no trouble picking the correct card 