This is the first prime offer I've received since rebuilding my credit, and I wanted to get your guys' thoughts on whether or not I should go for it. It's for the Cash Rewards Visa, 0% intro + BT for 15 mos., then variable after that (offer states currently 18.99%).
I'm a college student, annual income ~$12k. There is one baddie on my CR's: an old paid Chase CO from 2007 (for $1,146). There are four or five deferred student loans (totaling about $19k) as well as the cards in my sig, stats as follows:
NFCU: $825/$5000 (opened 1/13)
USAA: $212/$1000 (opened 1/13)
Cap1: $228/$500 (opened 1/13)
GE/WM: $87/$900 (opened 1/13)
Amex: $0/$5000 (AU acct. dated to 6/01)
All cards are PIF monthly except the NFCU, which I've carried around a 20% balance on. I was already planning on applying for the Travel Rewards card when the last baddie falls off in March, but now I've got this itch! Any and all feedback is appreciated! 
@Leadberry wrote:This is the first prime offer I've received since rebuilding my credit, and I wanted to get your guys' thoughts on whether or not I should go for it. It's for the Cash Rewards Visa, 0% intro + BT for 15 mos., then variable after that (offer states currently 18.99%).
I'm a college student, annual income ~$12k. There is one baddie on my CR's: an old paid Chase CO from 2007 (for $1,146). There are four or five deferred student loans (totaling about $19k) as well as the cards in my sig, stats as follows:
NFCU: $825/$5000 (opened 1/13)
USAA: $212/$1000 (opened 1/13)
Cap1: $228/$500 (opened 1/13)
GE/WM: $87/$900 (opened 1/13)
Amex: $0/$5000 (AU acct. dated to 6/01)
All cards are PIF monthly except the NFCU, which I've carried around a 20% balance on. I was already planning on applying for the Travel Rewards card when the last baddie falls off in March, but now I've got this itch! Any and all feedback is appreciated!
More info needed
scores, INQ's in last year?
AAoA?
Baddies?
Scores as listed in sig (EX is outdated/currently unknown), only baddie is as detailed in above post, AAoA 2.5 years, inquiries as follows: EX 4, EQ 3, TU 5.
Do you need the Cash Rewards or Travel Rewards?
Cash Rewards would make more sense at the current time. It would best the 1.25% cash back I'm getting on the Journey card. However, I do plan on going overseas the next couple summers, so the Travel Rewards is a long-term goal. I don't really plan on keeping the Journey in my wallet for too terribly long, and I really want to keep a no foreign transaction fee card in my wallet. Ideally I would eventually be carrying a BCE for gas/groceries.
I do intend to app for BCE and Freedom in the spring if that matters.
@myjourney wrote:So from what I see all your cards were opened in Jan. making your history 6 months on income of 12K
IMHO continue gardening and building payment history for 6 more months and you will have a better profile.
You could app now and will probably/possible be approved but I think with a toy limit. If you wait you will see better limit cards
Sounds good to me, thanks! As an added bonus, I just earned my gold spade today, so I'm obviously in no big rush. Getting the offer just got me excited, haha. Cheers!
Great advice as usual 
youll be ready in no time 
youll be ready in no time
