Reply
Frequent Contributor
Posts: 273
Registered: ‎10-02-2012
0

Apply for Citi Forward Student or no?

I saw on numerous threads that the Citi Forward for Students was a good card. Should I even bother applying for citi forward student with my scores (as of mid Dec) TU 609, EQ 618, and EX 625, and with an income of close to 9000? For those who were approved, what'd your annual income and scores look like?

 

As of today, I have no baddies, 5 inqs on EX and EQ each, and 13 on TU. Total balances reported on my two cards are about 120, so close to 20% util.

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Senior Contributor
Posts: 4,690
Registered: ‎02-23-2011
0

Re: Apply for Citi Forward Student or no?

Those scores look kind of low for Citi.  I'd hold off until they're higher.  Citi is very inflexible when it comes to approvals.

Frequent Contributor
Posts: 273
Registered: ‎10-02-2012
0

Re: Apply for Citi Forward Student or no?

Thank you for the honesty. Any cards you can recommend that I 'should' or at least have a good chance of being approved for?

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Frequent Contributor
Posts: 297
Registered: ‎08-28-2012
0

Re: Apply for Citi Forward Student or no?

I would wait until some of those inquiries fall off.  I've heard of people getting rejected solely because they had >5 inquiries on EX.

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards
FICO: TU 795 Last App: November 2012
Senior Contributor
Posts: 4,690
Registered: ‎02-23-2011
0

Re: Apply for Citi Forward Student or no?

Maybe Chase Freedom, if you'd like to roll the dice?

Contributor
Posts: 236
Registered: ‎01-20-2013
0

Re: Apply for Citi Forward Student or no?

[ Edited ]

yeah that's gonna be hard, especially with Citi's recon which usually isn't helpful. 

 

 

I would try the Discover IT card for students or maybe the Chase Freedom. I got declined for the freedom when I first started off because my Average age of accounts was 3 months, and even chase recon wouldn't do anything. 

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Frequent Contributor
Posts: 273
Registered: ‎10-02-2012
0

Re: Apply for Citi Forward Student or no?

I'm looking at Chase Freedom reviews on CK, and according to CK,  average score is 708. Is that accurate information or would you guys disregard it? And I'll spend some time looking into the It

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: Apply for Citi Forward Student or no?

I wouldn't even bother with Chase Freedom til my scores are all in the 700s with at least a year of history. That's just me though.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Apply for Citi Forward Student or no?


WallyxD wrote:

Thank you for the honesty. Any cards you can recommend that I 'should' or at least have a good chance of being approved for?


How long have you had the journey?  That should (slowly) increase if you use it and pay in full each time.

Frequent Contributor
Posts: 273
Registered: ‎10-02-2012
0

Re: Apply for Citi Forward Student or no?


bs6054 wrote:

WallyxD wrote:

Thank you for the honesty. Any cards you can recommend that I 'should' or at least have a good chance of being approved for?


How long have you had the journey?  That should (slowly) increase if you use it and pay in full each time.


A short month and a half :smileywink: 

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.