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Will I Be Approved for this Credit Card?
I received an application in the mail from my credit union for a credit card with no annual fee and $150 cashback after the first purchase. The card is offered by Elan Financial Services. I'm hoping you guys can assess my situation and tell me if you think I would be approved. I am just a little worried because I recently opened a credit card.
First a little background info...
I am a 20 year old attending the University of Delaware (currently a junior).
I usually have a seasonal job that provides some sort of income. I have roughly 15k to my name (3-4k emergency savings), not including student loans of ~5k.
I currently have 4 credit cards, each with a 1 - 1.5k credit line:
First Niagara Bank Mastercard - First Niagara Bank
Old Navy Visa - GE Capital
Priceline Rewards Visa - Barclays
NFL Extra Points VISA Platinum - Barclays
I believe my dad is cosigned on the first card, the rest are in my name.
I was approved for the NFL Visa w/ $200 cashback for first purchase in early December.
Credit Karma has my score at 746 w/ 3 hard inquiries listed
My credit union provided me with a credit score from one of the reporting agencies on 12/28/12, it is listed as 758.
It's just hard to pass up free money....
Thanks guys!
First a little background info...
I am a 20 year old attending the University of Delaware (currently a junior).
I usually have a seasonal job that provides some sort of income. I have roughly 15k to my name (3-4k emergency savings), not including student loans of ~5k.
I currently have 4 credit cards, each with a 1 - 1.5k credit line:
First Niagara Bank Mastercard - First Niagara Bank
Old Navy Visa - GE Capital
Priceline Rewards Visa - Barclays
NFL Extra Points VISA Platinum - Barclays
I believe my dad is cosigned on the first card, the rest are in my name.
I was approved for the NFL Visa w/ $200 cashback for first purchase in early December.
Credit Karma has my score at 746 w/ 3 hard inquiries listed
My credit union provided me with a credit score from one of the reporting agencies on 12/28/12, it is listed as 758.
It's just hard to pass up free money....
Thanks guys!






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