Hi everyone,
I just found this forum as I've been searching for a new Credit Card for the past week or so. I read about 20 pages of the recent topics 
Some info about me:
I'm 22, a student in college with roughly $15k in income a year (I've got a really nice part-time job on campus).
I've had one credit card, a classic visa at 12% opened with my university FCU since Feb 2007. CL was $1,500 when started, then auto to $2,500 and now $3,500. Now it's carrying about a $2,500 balance since I charged last months rent and some xmas presents. Never ever been late on payments and always pay much more than the min amt due.
Two days ago I was approved for an AmEx Zync which I'm happy about so that should be here in a week. I wasn't instant approved, they had to verify my address through my bank as I just moved but it just took a simple phone call.
I'm looking to add another CC, preferrably something not too sketchy with a reasonable interest rate. I'd also like the option of balance transfers. I don't ever anticipate needing it, but I don't like that some of the "student" cards I see don't even offer the option. I'd also prefer a Visa/MC.
What is everyone's recommendations? Honestly I don't have a clue about my credit score, but it can't be too terrible if I was approved for the Zync.
Thanks in advance!
@jthedges wrote:You mean Citi Forward?!?!?!
YES
oops silly me, must have been logged into my freedom card at the time!
I spend more money at restaurants then gas and groceries.
What reasons do you think its one their best?
Thanks!
@Anonymous wrote:Hi everyone,
I just found this forum as I've been searching for a new Credit Card for the past week or so. I read about 20 pages of the recent topics
I'm 22, a student in college with roughly $15k in income a year (I've got a really nice part-time job on campus).
I've had one credit card, a classic visa at 12% opened with my university FCU since Feb 2007. CL was $1,500 when started, then auto to $2,500 and now $3,500. Now it's carrying about a $2,500 balance since I charged last months rent and some xmas presents. Never ever been late on payments and always pay much more than the min amt due.
Two days ago I was approved for an AmEx Zync which I'm happy about so that should be here in a week. I wasn't instant approved, they had to verify my address through my bank as I just moved but it just took a simple phone call.
I'm looking to add another CC, preferrably something not too sketchy with a reasonable interest rate. I'd also like the option of balance transfers. I don't ever anticipate needing it, but I don't like that some of the "student" cards I see don't even offer the option. I'd also prefer a Visa/MC.
What is everyone's recommendations? Honestly I don't have a clue about my credit score, but it can't be too terrible if I was approved for the Zync.
Thanks in advance!
Welcome to the forums.
Have you looked at the Credit Card Center here onsite?
From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".