Hello,
I am using Wells Fargo Secured Credit Card with a limit of $500 since Oct 2011. I have always paid the bill on time and in full. I am thinking of applying for a more respectable credit card. I am a novice in credit stuff. I am an international student residing in the US since August 2011.
I have these in mind. I need help in choosing and any advice is also very much welcome.
1. Citi Forward College Student Card
2. Discover Student More Card
Thank you
Do you have documented income as student from, for example, part time job?
LIMITS IN CARD DESCRIPTIONS
Hmmm, yes. I have a Research Assistantship for this Summer. I don't know if I have will have anything from Fall.
More important what you made last year on tax return or can prove through recent paystubs. In any case, app for the student cards. I don't think either you listed had any AFs.
Thank you for your reply. Sorry, but what is 'AF'?
Should I wait for one year to complete? Or can I apply right away?
None of them have annual fee. Both have nice features which have me confused. Say, my application is rejected. What are the consequences? Would it affect my future applications?
Bumping this thread because I have an update. I applied for the Citi Forward Student Card. I was not instantly approved or denied. It said :
Thank you kmh123. We have received your application and further processing is required at this time. We will contact you within a week via email regarding our decision. Thank you for requesting a Citi Forward® Card.
Keeping fingers crossed.
Thanks!
I called them. Basically, they repeated the same thing - "Your application requires further processing. We will get back to you in 7-10 days". I asked them if they were looking for any specific information so that the process can be quickened. They repeated the above sentence again! Duh!