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Answers (2)

Applying under 21

by Ben Schlappig Guest October 28, 2015, 1:41 pm

Applying under 21

Anonymous Guest
October 28, 2015, 1:41 pm

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
MidSouthSkier Community Ambassador
October 30, 2015, 2:51 pm

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.