I have no credit history and am just out of undergrad making ~$100k. Any chance of me being approved for Citi Double Cash or Chase Freedom Unlimited? Do I need to get a “starter” card to build some credit first?

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You’re probably fine with either. That said, you can call either bank and talk with an agent over the phone about your approval odds.

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Apply and see what happens. And how are you making $100k out of undergrad?

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Thanks for the advice. T2 consulting firm with $85k base + 15-25% bonus

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Find someone with good credit and ask them to make you an authorized user on their credit cards. It’ll help you get approved - my dad did this and I was able to get approved for AMEX / Chase Freedom no issues.

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Is anyone even honest when they say their income when applying for a new credit card?

Nope, never had that happen

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