Student: Citi or Bank of America ?

[GoldenloveNY]

My Discover Student More finally reported for the first time since opening it in Sep 2012. I am looking at applying now for another another student card and garden until Fall 2013. I have 4 inquiries on my EQ, 3 on my EX, and 5 on my TU. Three recent inquiries (last six months).Util. is 50‰. AAOA is 3 months, oldest tradeline is 9 months.

I am interested in Citi Forward Student and BankAmericard Rewards Student credit cards. I was told by another member to wait until Discover reported my $1,000 cl so that any newer card would most likely meet or exceed that cl.

Which one would I have better chance of getting approve?

[iCoop]

Neither, be better than me as a student and go with a credit union. Go ahead and build your history now with a credit union, that way when the time comes to apply for more important loans such as a mortgage, personal loans, auto loans, etc you will be better suited than going with any card from Bank of America or Citi.

I would suggest looking for a way to join Navy Federal. If unable to join Navy Fed look at Pentagon Federal and USAA.

[trumpet-205]

Citi Forward is easier to get but I highly recommend you wait 3 more months before applying.

[GoldenloveNY]

Thanks, I think I should garden until next year.

[CruzImperial]

You have high util with recent inquiries and no history at all. Try waiting 6 months at least and then go for citi forward and cash rewards if you want. By then, with low util, you will surely get approved.

I do not recommend you bank of america at all but if you want the rewards they offer, you may as well get good use for that card.

If you manage to get these 6 months of good history with discover, it is possible for your score to be in the 700s area.

[SportBike4Life]

Definitely the Citi Forward before any Bank of America credit cards. Then try for amex blue cash or chase. 

[NiNoMArksLA]

what dose the garden mean?

[trumpet-205]

Not applying for credit card, loan, CLI, etc.