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When to Apply for Third Card? (Citi Forward Student)

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myjourney
Super Contributor
‎06-27-2013 06:01 PM
‎06-27-2013 06:01 PM

Re: When to Apply for Third Card? (Citi Forward Student)

@09Lexie wrote:
Welcome to the forum! Glad myjourney nudged you to app...well done!

It was just a little push OP CR and info looked very good IMHO 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 11 of 16
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sergi0wned
Contributor
‎06-27-2013 06:09 PM
‎06-27-2013 06:09 PM

Re: When to Apply for Third Card? (Citi Forward Student)

@myjourney wrote:
@09Lexie wrote:
Welcome to the forum! Glad myjourney nudged you to app...well done!

It was just a little push OP CR and info looked very good IMHO 

Thanks, 09Lexie! 

And thanks again, myjourney! Ever since I got rejected by Capital One when I was first starting out I've been a bit reserved since I figured "if a subprime lender won't accept me after a recon, I'll never get in with the big banks." But I guess I can get over that inferiority complex now because I'm in primeville! 

20 years old | 4 Cards in my wallet | TU (3/28/14) 743
January 2013 - 1st Financial Bank USA Platinum VISA ($500 --> $1,500)
June 2013- Discover IT Student ($1,500 --> $1,800 --> $2,100), Citi Forward Student ($1,500 --> $2,900)
December 2013 - Macy's American Express ($1,000 --> $3,000)
February 2014 - American Express Blue Cash Everyday ($3,000), Chase Freedom ($2,000)
April 2014 - Sallie Mae MasterCard ($3,800)
Message 12 of 16
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hutchj
Frequent Contributor
‎06-27-2013 06:09 PM
‎06-27-2013 06:09 PM

Re: When to Apply for Third Card? (Citi Forward Student)

@sergi0wned wrote:

YES! 

Just got an INSTANT APPROVAL for a $1,500 credit line! My first instant approval ever!!! I couldn't believe it when I saw it!

 

I even got the lowest APR of 13.99% after my 7 months of 0% APR. I don't plan to ever use the APR, but it's nice to know that they deemed me to have good creditworthiness!

 

Thank you SO MUCH for encouraging me to apply! myFICO has been SO helpful in my learning and application process. I'm definitely going to garden until the end of the year and watch my AoAA soar and UTIL plummet! 


SO HAPPY! 

Congrats!!!

AMEX BCE: 5k; Barclay Apple: 2.5k; BoA CB: 3k; BoA BBR 4.2k; BoA Travel: 8k; Chase Sapphire: 5k; Chase Freedom: 6k; Citi Diamond: 3k; Discover IT: 9k

June 2013 FICOs: TU: 763; EX: 754; EQ: 764 (was 747 9/2012). Last app 2/20/2014 Garden until 3/2015
Message 13 of 16
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myjourney
Super Contributor
‎06-27-2013 06:31 PM
‎06-27-2013 06:31 PM

Re: When to Apply for Third Card? (Citi Forward Student)

@sergi0wned wrote:
@myjourney wrote:
@09Lexie wrote:
Welcome to the forum! Glad myjourney nudged you to app...well done!

It was just a little push OP CR and info looked very good IMHO 

Thanks, 09Lexie! 

And thanks again, myjourney! Ever since I got rejected by Capital One when I was first starting out I've been a bit reserved since I figured "if a subprime lender won't accept me after a recon, I'll never get in with the big banks." But I guess I can get over that inferiority complex now because I'm in primeville! 

You have arrived hello primeville

Now head over to the garden plant those seedlings and watch them grow Yay

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 14 of 16
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HYPASS33
Frequent Contributor
‎06-27-2013 07:28 PM
‎06-27-2013 07:28 PM

Re: When to Apply for Third Card? (Citi Forward Student)

Congrats!! Now like MyJourney said, head to garden. Don't do like me and play Hokie Pokie with the garden!! Smiley Happy. Put your left foot in, put left foot out, now do the Hokie Pokie and app all about! Smiley Happy

Just kiddin, don't do that!! Smiley Happy. Good job on approval!
Message 15 of 16
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sergi0wned
Contributor
‎06-28-2013 10:57 AM
‎06-28-2013 10:57 AM

Re: When to Apply for Third Card? (Citi Forward Student)

Thank you, everyone! I'm amazed at how nice, encouraging, and supportive everyone is here! 


This truly is a great forum. THANK YOU!

20 years old | 4 Cards in my wallet | TU (3/28/14) 743
January 2013 - 1st Financial Bank USA Platinum VISA ($500 --> $1,500)
June 2013- Discover IT Student ($1,500 --> $1,800 --> $2,100), Citi Forward Student ($1,500 --> $2,900)
December 2013 - Macy's American Express ($1,000 --> $3,000)
February 2014 - American Express Blue Cash Everyday ($3,000), Chase Freedom ($2,000)
April 2014 - Sallie Mae MasterCard ($3,800)
Message 16 of 16
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