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Frequent Contributor
Jayb5635
Posts: 317
Registered: ‎08-02-2012

Discover/Citi Question

Hey all, so most likely tomorrow I plan to apply for the discover it and the citi forward.  My question is should I apply for the student versions of each card ???  Is there any difference ???



In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $4500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $3800, Discover IT $5000
Contributor
charleeislegend
Posts: 103
Registered: ‎07-21-2012

Re: Discover/Citi Question

they are easier to get approved for but they dont have any signup offers and may give lower limits as u can tell from my signature :smileyfrustrated:

Credit Karma (TU) : 745 Discover FICO (TU): 770 Credit Sesame (EX): 735 myFICO (EQ) - 713
Amex Simplycash Business - $7000 Travelocity AMEX - $1400 Amex TrueEarnings - $7500 Chase Sapphire - $6000 Citi Forward Student - $5000 Discover IT Student - $1900
Frequent Contributor
Jayb5635
Posts: 317
Registered: ‎08-02-2012

Re: Discover/Citi Question

Ah ok.  The low limits would make me wanna apply for the regular cards then lol.  Altho on Citi's site now only the student is listed.



In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $4500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $3800, Discover IT $5000
New Contributor
CreditAce
Posts: 103
Registered: ‎02-19-2013

Re: Discover/Citi Question


Jayb5635 wrote:

Ah ok.  The low limits would make me wanna apply for the regular cards then lol.  Altho on Citi's site now only the student is listed.


Yes they took down the regular version Citi Forward from their website last month.

Frequent Contributor
Jayb5635
Posts: 317
Registered: ‎08-02-2012

Re: Discover/Citi Question

Gotcha.  So I'll app for the citi forward student version if thats all that's available then.  Now need to decide which version of discover it card to go for.



In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $4500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $3800, Discover IT $5000
Valued Member
agent_bob
Posts: 49
Registered: ‎02-22-2013

Re: Discover/Citi Question

Even if it is the student version, will it still grow with you?


how to cancel free trial of score watch
Discover IT - $2500 (3/13) | Chase Freedom - $400 (12/12) | BofA 123 Cash - $3800 (10/10)
Frequent Contributor
Jayb5635
Posts: 317
Registered: ‎08-02-2012

Re: Discover/Citi Question

I wonder as well.  I would hope so.  Otherwise I think I'll take my chances applying for regular discover it.  Decisions, decisions.



In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $4500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $3800, Discover IT $5000
New Contributor
CreditAce
Posts: 103
Registered: ‎02-19-2013

Re: Discover/Citi Question

[ Edited ]

agent_bob wrote:

Even if it is the student version, will it still grow with you?


Yes I believe so. The main difference as another poster pointed out is no signup bonus and maybe a lower starting CL.

 

EDIT: Citi usually soft pulls for CLIs and you can request one every 6 months.

Frequent Contributor
koalablue
Posts: 336
Registered: ‎05-23-2012

Re: Discover/Citi Question

If you have the income and history to apply for the regular versions of the cards (and it looks like you do from the cards in your profile) I would apply for the regular versions. You probably will get higher limits and they'll grow with you better I would think.  Best of luck!

Valued Member
agent_bob
Posts: 49
Registered: ‎02-22-2013

Re: Discover/Citi Question


CreditAce wrote:

agent_bob wrote:

Even if it is the student version, will it still grow with you?


Yes I believe so. The main difference as another poster pointed out is no signup bonus and maybe a lower starting CL.

 

EDIT: Citi usually soft pulls for CLIs and you can request one every 6 months.


I was referring to the Discover IT, sorry I should have specified.
I was wondering so I have an idea of what to apply for in the future. I am still in college, but ironically even tho I have a Freedom & a decent sized CL do not have much of an income.. just a part time job. Nursing school doesn't allow for much free time. It just wonder which card's would grow with me with the future because I'd like to have the least amount of CC's as possible. The only reason to why I have a Freedom is because I switched banks from BofA to Chase. Originally I was denied, but due to this site I found out you could recon it. Which ended up in me getting it with a small, $400 CL.


how to cancel free trial of score watch
Discover IT - $2500 (3/13) | Chase Freedom - $400 (12/12) | BofA 123 Cash - $3800 (10/10)

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