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Re: 6 Month Credit History

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First off congrats on taking the first step to building your credit!

 

If you are generating a FICO score now I'd say go for an AMEX. Any one you'd like. I was approved for my First AMEX (BCE) back in 2014 with 6 months of history and $12,000 income just like you. The starting limit was $8,000. Amex is very picky about clean files, but they seem to love newcomers to credit as long as you can generate those magical three digit numbers. 

 

Chase I would definitely hold off until you've got about 1 year of history under your belt and 6 months of history under your AMEX. They seem to like that 1 year spot and people that have more than 1 credit card Tradeline reporting, so that AMEX will unlock that Chase door for you. 

 

Same deal with Citibank, although they might be willing to flex a little bit if you manage your credit cards with excellence. I applied for the Citi Double Cash with 11 months of history under my belt. I was initially sent a declined letter in the mail stating not enough revolving history. I recon'd that with the Executive Office and was approved for $500 to start, but it has grown exponentially in the last year (see signature below). If you want an easier approval without having to recon and risk taking a $500 starting limit, then I would give it a bit more time. 

 

Good luck! Smiley Happy


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