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Member
Posts: 23
Registered: ‎03-23-2010
0

Suggestions For New Card

Hey everyone, I am thinking about getting another credit card, which I will most likely use as my card to carry a balance (if I am going to carry one at all). I currently have the Citi Forward card and my credit score is around 740 (trans union). I am going into law school, and we are not allowed to work for the first year. I am assuming this may hurt my ability to get a good card that is not for students. I am hoping for a card with a low interest rate. Any help is much appreciated, and if any additional information would allow for you all to better answer my question, please let me know. Thanks!

Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: Suggestions For New Card

Welcome to the forums!

 

Is your 740 a transunion FICO score? If you're not allowed to work, how will you pay this card and take care of your other needs like housing, food and etc?

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Member
Posts: 23
Registered: ‎03-23-2010
0

Re: Suggestions For New Card

I actually am not positive it's trans unions. I checked it through credit karma, which I saw mention trans union, but I am probably mistaken. To pay for stuff I have money saved up, will be working all summer, and will be taking out student loans. I also can get a small amount of money from my parents (but not much). Is there any other info that is helpful? I have had no problems paying off bills as I don't spend a ton, but I thought it'd be nice to have a card that I could, for example, put all my books on each semester, and then slowly pay it off. Thanks again for any help and for the quick response.

Valued Contributor
Posts: 1,413
Registered: ‎01-20-2008
0

Re: Suggestions For New Card

How about CC for student?   or  ask your parent to add you as AU?  ... or joint acct holder? 

 

Visit the web site as shown in below.   There are so many site to find out more information on the web.

 

http://www.creditcards.com/college-students.php

 

http://www.creditcardguide.com/student_cards.html

 

http://www.studentcreditcards.com/

 

http://www.findcollegecards.com/

 

http://www.cardratings.com/

 

 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
It's very tough with small income ~ The Rewards are big little helper to me.
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: Suggestions For New Card

 


burgh wrote:

I actually am not positive it's trans unions. I checked it through credit karma, which I saw mention trans union, but I am probably mistaken. To pay for stuff I have money saved up, will be working all summer, and will be taking out student loans. I also can get a small amount of money from my parents (but not much). Is there any other info that is helpful? I have had no problems paying off bills as I don't spend a ton, but I thought it'd be nice to have a card that I could, for example, put all my books on each semester, and then slowly pay it off. Thanks again for any help and for the quick response.


 

Not to be a spoiler here or anything, but I wouldn't apply for more credit if you don't have a steady supply of income. With the economy in bad shape and the CCCs acting crazy, I would really hate to see you get into more debt. Now, I do realize after law school you'll have a great opportunity to earn money, but you'll still have debt to repay with your student loans. Adding CC debt could make things worse. Not only that, but CCCs might not approve you since you cannot prove you have a job or a reliable source of income. Just my humble opinion.Smiley Happy                                                                  

 

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Valued Contributor
Posts: 1,413
Registered: ‎01-20-2008
0

Re: Suggestions For New Card

[ Edited ]

 

burgh wrote:

 

 will be working all summer, and will be taking out student loans. I also can get a small amount of money from my parents (but not much). Is there any other info that is helpful? I have had no problems paying off bills as I don't spend a ton, but I thought it'd be nice to have a card that I could, for example, put all my books on each semester, and then slowly pay it off. Thanks again for any help and for the quick response.


burgh, fused is right !!    I agree with him.  

 

I did provide some web site for you to browse.   But, honestly, it seems  you are still depending on your parents to support you.   It will be best for you and your parents to wait until you obtain a reasonable job, not just summer job.   All it's up to you.    We only can do is give you an advise.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
It's very tough with small income ~ The Rewards are big little helper to me.
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