Since AmEx will probably use the same hard pull for apps on the same day, have him go for a "better" card first.
Looking for some expert advice!
My son is in college and has a Bank of America card with a $700 limit (7 month history), AU on six year old Discover ($6000), and recently added as an AU on Amex Gold with a 23 year history.
We checked his score on Credit Karma and it shows 735. He has limited personal income , but it seems like Amex is being very generous right now, What is the best course of action to get him backdated? Do we apply for a Zinc card even though it will probably not be backdated or continue building his credit history?
All comments appreciated
If that is denied, then apply for Zync.
Backdating Zync in the same family appears much easier, especially if addresses are the same.