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nelsondavidd
Posts: 91
Registered: ‎10-11-2010

APPLY FOR STUDENT CARD EVEN IF I'M NOT A STUDENT

CAN I APPLY FOR A STUDENT CREDIT CARD EVEN IF I'M NOT A STUDENT?. I'VE A PART TIME JOB, AND HAVE NO DEBT, THE PROBLEM IS THAT I NEED A EASY TO GET CARD TO START BUILDING CREDIT. I'VE ALSO CONSIDERED A SECURED CARD, BUT I DON'T SEE IT AS A RELIABLE WAY TO GET CREDIT, AND MOST OF IT HAVE LOTS OF FEES, ANYWAY, IF U KNOW A GOOD ONE, I WOULD LIKE TO HEAR RECOMMENDATIONS!.

Established Contributor
gbishere
Posts: 736
Registered: ‎07-07-2010

Re: APPLY FOR STUDENT CARD EVEN IF I'M NOT A STUDENT

I hear there can be smaller cl's and possibly caps on credit lines for student cards. I would just go for a regular card.

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Established Member
thephonekid
Posts: 37
Registered: ‎10-11-2010

Re: APPLY FOR STUDENT CARD EVEN IF I'M NOT A STUDENT

You could try applying for the Citi Forward card. I don't believe its an actual "student card" but it is geared toward younger adults with shorter credit histories.

Current Cards: Chase Sapphire-$5,000, Local Credit Union-$1,000
Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010

Re: APPLY FOR STUDENT CARD EVEN IF I'M NOT A STUDENT

 


nelsondavidd wrote:

CAN I APPLY FOR A STUDENT CREDIT CARD EVEN IF I'M NOT A STUDENT?. I'VE A PART TIME JOB, AND HAVE NO DEBT, THE PROBLEM IS THAT I NEED A EASY TO GET CARD TO START BUILDING CREDIT. I'VE ALSO CONSIDERED A SECURED CARD, BUT I DON'T SEE IT AS A RELIABLE WAY TO GET CREDIT, AND MOST OF IT HAVE LOTS OF FEES, ANYWAY, IF U KNOW A GOOD ONE, I WOULD LIKE TO HEAR RECOMMENDATIONS!.


I think secured cards are an excelent way to build credit.   But you need to get a good one.    I recomend Captial One secured card (not the student version).

 

Mega Contributor
Creditaddict
Posts: 18,977
Registered: ‎10-23-2007

Re: APPLY FOR STUDENT CARD EVEN IF I'M NOT A STUDENT

do you know what your credit is now, if you say your trying to build it... might get more useful suggestions if you we knew more

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Frequent Contributor
JMN
Posts: 321
Registered: ‎10-25-2009

Re: APPLY FOR STUDENT CARD EVEN IF I'M NOT A STUDENT

Depends on the bank.

 

Citigroup, in my experience, does require verification that you're a student. 

 

The bank I work for does as well.

Despite my employment in the banking industry, any and all views contained in this post are purely my own, and do not represent any financial institution, nor constitute as financial or investment guidance or advise.
Frequent Contributor
mauwow0682
Posts: 284
Registered: ‎08-24-2010

Re: APPLY FOR STUDENT CARD EVEN IF I'M NOT A STUDENT

The problem you might run into that they  "might" want verfication of your student status. If they don't do that at the begining then they can do it at anytime. My suggestion those is try ing the pre-approvial link from Cap 1.


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New Contributor
nelsondavidd
Posts: 91
Registered: ‎10-11-2010

nk about the bank Re: APPLY FOR STUDENT CARD EVEN IF I'M NOT A STUDENT

Oh, I didn't think about the bank checking if I'm really a student. Anyone had experience with this?, do you know what banks check this info?. Thanks anyway

Established Member
Ali124
Posts: 11
Registered: ‎06-08-2010

Re: APPLY FOR STUDENT CARD EVEN IF I'M NOT A STUDENT

I went the secure cc route with Capital One.    It does report and I haven't noticed any large fees so far.  It's actually helped me a lot.   

 

 


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Established Member
thephonekid
Posts: 37
Registered: ‎10-11-2010

Re: nk about the bank Re: APPLY FOR STUDENT CARD EVEN IF I'M NOT A STUDENT

Wachovia/Wells fargo, and 5/3 bank ask for a copy of your student id or class schedule. BoA didn't ask me for verification, but I applied for it back in 2008.

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