It will be very difficult to get the Chase Freedom with no credit history. The Chase Freedom is one of the hardest cards in its class to get. You’ll need at least good to excellent credit to even have a chance at qualifying for the card. That’s a credit score between 700 and 749, to start.
In fact, Chase does not offer a personal or business credit card specifically for people with no credit history. Your best shot to get the Chase Freedom with no history is to take the long term approach. Open a starter credit card account, use the card responsibly, and build a strong enough credit history so that you can apply for the Chase Freedom at a later time.
If you’re not a student, with no credit history, your only option may be a secured credit card. A secured credit card requires you to front a security deposit, usually around a $200 minimum. The deposit sets your credit limit, and is fully refundable when you close the account, as long as there’s not an unpaid balance.
Some of the best secured credit cards on the market include the Capital One Platinum and the Discover it Secured cards.
Another option to get a Chase Freedom with no credit is to have a co-signer on your application, or to become an authorized user on someone else’s credit card.
A co-signer 21 or older with the necessary credit requirements can help you get the Chase Freedom with no credit history. When you have a co-singer, you are still the primary cardholder and will enjoy all the perks and benefits that the Chase Freedom card offers. The drawback for the co-signer is that he or she will be on the hook for any unpaid debt you run up on the card.
When you’re an authorized user, the primary cardholder is liable for any debt charged to the account. Meanwhile, you’ll also benefit from the primary cardholder’s credit history, which if built up over time, may allow you to qualify for the Chase Freedom. On the other hand, if there’s a stretch string of late and missed payments overextended credit limits, the negative information will also appear on your credit report.
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