Five years here, fully employed, debt free ..and I still CANNOT get a credit card. (Yes @Citi I am looking at you). This system is crazed.
@emilybell Both Am-Ex & Discover are better for edge cases. Keep in mind, every application dings you in the algorithm. Another catch.
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@zeynep really?! Oh f*ck ...so even applying is a bad idea? -
@emilybell Well, yeah it's a catch. Apply strategically, not to 10 places. Pick 3, apply same month. I had to figure this all out back then.
End of conversation
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