Current Score: EQ 600; TU 652 (as of 12/04/2012); EX: 611 (as of 12/06/2012 per Pageonce iPhone App)
YoungMoney06 wrote:daybreak: Have you had any experience with either that you're willing to share please?
Yes, actually! My brother got approved for the Capital One Journey his first semester in college. Entered that he was a student, his yearly income as well as assets (my brother and I have the benefit of being in joint accounts with our parents, which help us claim high amounts of annual income since we have access to said savings, CDs, etc.) Not sure if his differed student loan posted at that point, but i believe it did, so that helped him too, but only slightly. Also was an authorized user on my Shell card Got approved for a $500 credit line, only had to submit a copy of his class schedule to prove he was enrolled. Card is now up to $750
He then got a pre-qualified offer for Discover Open Road card 7 months later. Same deal, listed he was a student with annual income. Got approved for BAM! $5000! (woo! i nearly fell off my chair after i saw that!) his utilization is always relatively low and pays on time. So you have a wonderful chance at getting approved! Even low incomes will get you a $500 line on Journey!
YoungMoney06 wrote:Applied, denied, no reason given. Will call backdoor number to see if any additional information is needed.
Yes, definitely check in with them! My brother when he got approved for Journey had no baddies or negatives. Pretty much nada on his report except for 3 months of reporting from my Shell and maybe a month or two of deferred student loan. If you have negatives, you may have to explain yourself and/or maybe they just need proof of you being a student, especially if you're not in the average college student age range (18-23). If you went with Discover, they may view your negatives more harshly than Cap One. Just be cool, confident, and collective 
Explain to them your situation and they will hopefully offer you something!!
rootpooty: I applied for CapOne's Journey card.
daybreak: I will reach out to them tomorrow. Hard to make time to call in with the final two weeks of the semester remaining and working early AM... I'm talking 4am early. And being that I work for FedEx, that doesn't help matters none with peak season coming. Ai-yi-yi! lol
YoungMoney06 wrote:rootpooty: I applied for CapOne's Journey card.
daybreak: I will reach out to them tomorrow. Hard to make time to call in with the final two weeks of the semester remaining and working early AM... I'm talking 4am early. And being that I work for FedEx, that doesn't help matters none with peak season coming. Ai-yi-yi! lol
Jesus I am so sorry 
Good luck with the card, exams, and surviving through work!!!
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