New Contributor
Posts: 67
Registered: ‎11-15-2012

Re: Discover IT Student or Citi Forward Student?

frico wrote:

Thanks for the advice. I do spend a lot at restaurants and Amazon, so the Forward bonuses would be great. However, I'm leaning towards the IT as there is no FTF. Since CSP might be a stretch (at least by year's end) I suppose the IT would be my best bet for a card that I can use in South Korea (as well as other foreign countries). I'm just hoping I'll meet the underwriting requirements for the IT (I was assuming, perhaps incorrectly, that Forward might be easier to get).

Thing is, Discover foreign acceptance relies on Diners Club, and Diners Club acceptance is very limited.


So even when Discover has no FTF, it won't do you any good as very few will take it in South Korea.


Forward is indeed a lot easier to get than Discover it.





I was approved for the Discover It card, but CITI would not approve me for the Forward card.

Cards: AMEX BCE (2k), Barclay Arrival Mastercard (4.3K), Chase Freedom (1K), Discover It (1.3k), SECU (2K), CapOne Quicksilver (750)

Current Scores- Experian- 695, Equifax- 689, Transunion-680

Goal- 720 Across the Board
New Contributor
Posts: 359
Registered: ‎11-29-2011

Re: WEIRD UPDATE?: Discover IT Student or Citi Forward Student?

If your goal is the CSP by year end.  I'd say open a Chase Checking account if possible.  Start your relationship there and ask your banker to apply for a Chase Slate card.  Its not the best card in terms of looks or rewards (are none, but theres the 0% introductory apr) but should be the easiest to get from Chase.  Down the road you can have it changed to the Freedom possibly.. (possibly..)


Then by years end you should have a good enough reputation with Chase for the CSP.


I'm sure there will be opinions on this..

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+