Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 149
Registered: ‎03-06-2013
0

Re: Going on an "app spree" questions

I just like the idea of rapid-fire app'ing. Might give it a shot after I've got calluses from six months minimum of gardening.
Starting Score: WMT TU (3/13) 644. EQ FICO (3/13) 595
Current Score: WMT TU (8/14): 666. FICO's: EQ (8/14): 661. EX (7/14) 658. TU (7/14) 697 | Goal Score: 700s

Roll over images for details.
Regular Contributor
Posts: 217
Registered: ‎08-02-2013
0

Re: Going on an "app spree" questions


myjourney wrote:

Jungook wrote:

So applying for both the Citi Dividen for students and Forward for students is probably a bad idea?


Not at all but both will most likey pull EX


Will student loans be enough to suffice as credit or will Citi require me to have revolving credit?

Valued Contributor
Posts: 2,024
Registered: ‎11-17-2012
0

Re: Going on an "app spree" questions


Jungook wrote:

myjourney wrote:

Jungook wrote:

So applying for both the Citi Dividen for students and Forward for students is probably a bad idea?


Not at all but both will most likey pull EX


Will student loans be enough to suffice as credit or will Citi require me to have revolving credit?


If you're going for one of their student cards it should suffice with enough history!


Capital One Quicksilver WMC $20k | JCPenney Platinum $10k | Shell Drive for Five $800 | Chase Freedom VS $5k | TD Bank Easy Rewards VS $5k | Chase Sapphire VS $14.8k | American Express Blue Sky $13.7k | Discover IT $24k | SavingStar American Express $14.8k | American Express BCE $11.3k | Macy's American Express $7.2k | Capital One BuyPower WEMC $7.5k FICOS: EX 793 EQ 746 TU 769 VantageScore 3.0: EX 760 EQ 756 TU 760
Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: Going on an "app spree" questions


Jungook wrote:

myjourney wrote:

Jungook wrote:

So applying for both the Citi Dividen for students and Forward for students is probably a bad idea?


Not at all but both will most likey pull EX


Will student loans be enough to suffice as credit or will Citi require me to have revolving credit?


Both will require some type of history

Check your other thread ..

Everyone gave you valuable info..Its going to be hard going at it without secured or AU's YMMV

 

Some have been lucky but its rare to get approvals for unsecured CC right out the gate other than CAP1 who pulls all 3 CB's and its still a long shot..

Sorry just being honest 

I would rather you take the safe route then have to live with bad decisions from a lot of HP's for the next 2 years

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: Going on an "app spree" questions


daybreakgonesXe wrote:

Jungook wrote:

myjourney wrote:

Jungook wrote:

So applying for both the Citi Dividen for students and Forward for students is probably a bad idea?


Not at all but both will most likey pull EX


Will student loans be enough to suffice as credit or will Citi require me to have revolving credit?


If you're going for one of their student cards it should suffice with enough history!


daybreakgonesXe link your how to for OP

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor
Posts: 2,024
Registered: ‎11-17-2012
0

Re: Going on an "app spree" questions

[ Edited ]

myjourney wrote:

daybreakgonesXe wrote:

Jungook wrote:

myjourney wrote:

Jungook wrote:

So applying for both the Citi Dividen for students and Forward for students is probably a bad idea?


Not at all but both will most likey pull EX


Will student loans be enough to suffice as credit or will Citi require me to have revolving credit?


If you're going for one of their student cards it should suffice with enough history!


daybreakgonesXe link your how to for OP


Good call!

 

http://ficoforums.myfico.com/t5/Credit-Cards/quot-Start-From-Scratch-quot-Credit-Builders-Handbook/m-p/2330043#M656734

 

OP, check out this link I made. This will help you decide on apping.

 

I highly recommend you go for the Citi Forward, preferably with at least 6 months of student loan history to generate a FICO. Only Cap One Journey is the only card I know of that has the highest success rate as a student card, even with no history. Citi is known to be more picky, so at least have a FICO to back yourself up!

 

All the best Smiley Happy


Capital One Quicksilver WMC $20k | JCPenney Platinum $10k | Shell Drive for Five $800 | Chase Freedom VS $5k | TD Bank Easy Rewards VS $5k | Chase Sapphire VS $14.8k | American Express Blue Sky $13.7k | Discover IT $24k | SavingStar American Express $14.8k | American Express BCE $11.3k | Macy's American Express $7.2k | Capital One BuyPower WEMC $7.5k FICOS: EX 793 EQ 746 TU 769 VantageScore 3.0: EX 760 EQ 756 TU 760
Regular Contributor
Posts: 217
Registered: ‎08-02-2013
0

Re: Going on an "app spree" questions


myjourney wrote:

Jungook wrote:

myjourney wrote:

Jungook wrote:

So applying for both the Citi Dividen for students and Forward for students is probably a bad idea?


Not at all but both will most likey pull EX


Will student loans be enough to suffice as credit or will Citi require me to have revolving credit?


Both will require some type of history

Check your other thread ..

Everyone gave you valuable info..Its going to be hard going at it without secured or AU's YMMV

 

Some have been lucky but its rare to get approvals for unsecured CC right out the gate other than CAP1 who pulls all 3 CB's and its still a long shot..

Sorry just being honest 

I would rather you take the safe route then have to live with bad decisions from a lot of HP's for the next 2 years


Sorry I've been making several threads as of late because some specifics weren't answered.

 

Thanks for the information.

Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: Going on an "app spree" questions


daybreakgonesXe wrote:

myjourney wrote:

daybreakgonesXe wrote:

Jungook wrote:

myjourney wrote:

Jungook wrote:

So applying for both the Citi Dividen for students and Forward for students is probably a bad idea?


Not at all but both will most likey pull EX


Will student loans be enough to suffice as credit or will Citi require me to have revolving credit?


If you're going for one of their student cards it should suffice with enough history!


daybreakgonesXe link your how to for OP


Good call!

 

http://ficoforums.myfico.com/t5/Credit-Cards/quot-Start-From-Scratch-quot-Credit-Builders-Handbook/m

-p/2330043#M656734

 

OP, check out this link I made. This will help you decide on apping.

 

I highly recommend you go for the Citi Forward, preferably with at least 6 months of student loan history to generate a FICO. Only Cap One Journey is the only card I know of that has the highest success rate as a student card, even with no history. Citi is known to be more picky, so at least have a FICO to back yourself up!

 

All the best Smiley Happy


Thank youSmiley Happy

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Regular Contributor
Posts: 217
Registered: ‎08-02-2013
0

Re: Going on an "app spree" questions

Thanks everyone, I'll be off reading some more articles.

Valued Contributor
Posts: 1,708
Registered: ‎03-24-2013
0

Re: Going on an "app spree" questions

[ Edited ]

its amazing how much student loans have skyrocketed my credit score and drained my bank account. Smiley Happy Smiley Sad

CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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.