Looking to apply for a credit card for my mother, and/or father, and wanted to feel everyone out for the best option. Mother 61 years old, Father 64 years old, Mother 35K yr income Father 55K yr income 4 year old (1 yr remaining) 15K car loan, paid as agreed, never late. 3 month old 15K car loan, paid as agreed, never late. No other credit lines. No negatives, no revolving credit lines. Could they qualify for the Citibank AAdvantage without any previous revolving credit positive trade lines? Any opinions or help would be appreciated! Thank You, David
I actually got Aria from Providian as my first card, prior to that I only had furniture that I was making monthly istallment payments on.
I think they should be able to qualify for the Platinum select (and avoid the annual fee associated with the AAdvantage). I also think that they would probably be approved for almost any card if they truly have no negatives (past judgements/collections, etc). I would recommend getting a copy of their credit reports from all 3 CRA's just to make sure there are no mistakes on the reports before applying for any card. If there are mistakes correct them first.
Try Citibank and Chase. A friend of mine who's credit showed no activities for 7 years, but still showed accounts paid and closed, received both Chase Platinum and Citibank AA (silver) with exceptionally high credit limits. Her report showed a total of 3 trade lines: car loan 1990 (paid in full 1992), Sears card (still reports as opened), and one credit card (closed in 1992). You might also try Bank of America, Amex, and MBNA. Hope this helps.
