How should I apply for a credit card?

[powwka]

Originally posted by: kevnich2
MBNA is no longer, it was bought out by BofA

Yeah, I am looking at a BofA card right now. I have another question though.
If I am still living with my parents but will be moving out in a couple months, can I still put "Parents/relatives" for my housing thing?
EDIT: Also it asks about household income. Do I include my parents' income?

 

[powwka]

Originally posted by: crystal
Internet Marketing, interesting. Is it ok for me to call you a spammer? 😛

No I don't use blackhat techniques.

 

[SoulAssassin]

Originally posted by: powwka
If I am still living with my parents but will be moving out in a couple months, can I still put "Parents/relatives" for my housing thing?
EDIT: Also it asks about household income. Do I include my parents' income?

If the address you're putting on the application is your parents then yes, you can use that for your housing situation. You can also include their income under total household income. There is typically little work that goes into looking at the validity of THI and you can usually be generous with it until you start getting into the 50-100k credit lines.

 

[kranky]

If you are going to use your parents' income on your application, do NOT apply for any AmEx card. Lots of people are getting their accounts frozen (without any notice) until they provide bank statements, pay stubs, and/or tax returns. (they call it Financial Review). You don't want to be in a position where you have a balance with them and can't produce the evidence to support your income claim. If AmEx does an FR on you they won't count your parents' income since they aren't accountholders.