Wife tried to apply for CSR and got denied (this would be her first individual credit card, she’s authorized user on one of my accounts).
Which credit card is best to get for someone trying to (cont)

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How many credit cards did WF open in her name?

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She should get a secured card on her name with the bank she banks with. Build the credit history for a year, then re-apply.

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She shud stopped banking wit Wells Fargo.

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Or discover

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Capital One was my first card and I was very happy with how they treated me until I built some credit history.

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+1 for secured cards, gf got a couple and her credit is in the 700s within a year.

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build credit? She banks with Wells Fargo.

Maybe the new Propel card they have?

What was the denial reason? The answer for your question depends on that. Authorized users are still considered active for credit report history purposes. She may actually have gotten denied because she's an authorized user on your account as Chase is cracking down on potential abuse like 2 people in the same household opening the card to get the bonus then one of them downgrades before 2nd annual fee which is a loss for Chase.

She’s not an authorized user on my CSR. On another credit card of mine. Her denial reason was not enough revolving account history. Something like that.

Chase strongly considers credit history and since this is her first credit card, she should start off with a starter card to build credit. It's better to build history within Chase too. *cue the Freedom card*

How long should we wait to apply for another credit card? I know the multiple inquiries hit your report and drop the score so want to be careful

Try and sign up for pre approved cards she might have gotten in the mail. No hard inquiries on them.

Capital One secured credit card to get started. Did it for my wife

Capital One Platinum. High interest rate but if you don't carry a balance, it's OK.

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