Credit Cards

[NewSurrender]

I'm wondering what the difference in credit limits between the student version of the Forward and the regular non-student Forward card?

I'm a college student and my income is only 17K-ish, so I was wondering which one I should apply for. My friend was recently approved for a $2,500 student Forward, when his only other card was a $300 secured BoA card, so it makes me wonder what I'd get approved for since my highest limit is $4,000. His income is 20K, not much of a difference.

Is there a lower "max" credit limit on the student than the regular? For example, will I only be able to get a CLI up to say.. 5k, and then all my requests will be denied? Does CIti upgrade the student card to a regular card when you graduate, or will it be a student card forever?

[espnjunkie]

Go for the student version, it is easier to be approved for and basically the same card. You can probably product change after awhile.

[CardinalRules]

I had the same questions. My only card was a $900 card from my bank. They gave me a generous $2500 limit, and I think I put less than $20k income. When I called they said they can upgrade the card to the regular version, but they didn't say when. I'm assuming it's when I graduate. That said, it earns the same amount of points, and as far as I know, there isn't a limit on the credit line, so everything should otherwise be the same. (I would definitely apply for it, I'm also a college student, and it's by far my favorite card to use, the 5x points on food and Amazon is awesome)

[charleeislegend]

I would go for the regular one if u think your credit score is good enough. The difference is the 10000 bonus points when u sign up for the regular one, while there isn't any sign up bonus for the student version.

[NewSurrender]

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charleeislegend wrote:
I would go for the regular one if u think your credit score is good enough. The difference is the 10000 bonus points when u sign up for the regular one, while there isn't any sign up bonus for the student version.

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That's the answer I was looking for, thank you. By the time I apply, my credit will be good enough to where I can't justify passing up on $100 worth of gift cards. Thank you.

[CreditChampion]

The regular application asks for student information as well. So if you don't get approved for the regular it automatically tries for student version.

[maiden_girl]

I would just apply for the student card and have it converted later when you finish school and get a job. The cards may be the same and ask you the same info but Citi Student Forward is geared toward students and they won't be surprised getting your application and seeing your yearly income at 16k. You're more likely to get approved b/c they aren't expecting you to be making a lot of money being a student. Just my two cents.

[CardinalRules]

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NewSurrender wrote:

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charleeislegend wrote:
I would go for the regular one if u think your credit score is good enough. The difference is the 10000 bonus points when u sign up for the regular one, while there isn't any sign up bonus for the student version.

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That's the answer I was looking for, thank you. By the time I apply, my credit will be good enough to where I can't justify passing up on $100 worth of gift cards. Thank you.

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This is the furthest thing from the truth. I have the student version, and I have the 10,000 points promo. The only real difference between the student and non regular is that its much easier to be approved as a student. That's it. The application for the Forward is the same whether or not you're a student, what determines if you get the student card or not is if you indicate that you're a student. Everything else is the same.

[charleeislegend]

Nope you dont get the sign up bonus, just the extra 1k points for paying on time and 1200 points for paperless statements. You must have the regular forward.

[Link2k]

The student card is harder to get approved for. They verify that you attend the school listed. If for any reason they can't verify through their system you have to send in a copy of your school ID or current semester registration info.  You can be approved for the regular Forward on less than $10k income so at $17k I would say skip the student hassle and apply for the regular.