Questions and Answers

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Chase reserve medical evacuation benefit

3

Amex or JetBlue MasterCard

3

Amex Platinum vs Chase Reserve

3

Lyft Cash: No Longer Earns Chase UR Points

1

Amex Plat-$50 offer for Best Buy & Home Depot

6

Platinum Confusion – Marriott Brilliant Amex

3

Miles & More European Credit Cards 50% Devaluation

1

Timing about canceling one card and applying for another

2

Can’t find Blue Business Plus

4

Annual fee for Virgin Atlantic M/C

2

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Answers (2)

Applying under 21

Applying under 21

  1. Anonymous

    Hi Ben-

    I’m looking to apply for the Chase Sapphire Preferred card soon. The only issue(?) is that I’m 20, and I know that there is a hoop or two to jump through for an applicant under 21. Am I right in thinking that I either need a co-signer, or proof of full-time income to be accepted? I’m in college and don’t work, but I’m fortunate enough to have plenty of savings and money coming in to pay off any debt I might incur. The truth is I’d rather not have someone co-sign. I’ve read that companies sometimes accept a bank statement copy or something similar if a person has no income, but plenty of money otherwise. Do you know anything about this? Or maybe about how I might express this to Chase?

    Appreciate it!
    -Henry

  2. MidSouthSkier

    Henry TCT – I don’t know about this for sure, but way back in the day I applied for a credit card from a local department store before I got a Visa. I made a couple of charges on it, paid them off and then I had a credit history. Once I had that I was able to get a Visa (albeit with a low limit) and go from there.

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