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Established Member
Ineedcredit21
Posts: 37
Registered: ‎04-29-2010
0

Which is the best student cc?

Hello,

 

I'm looking for a second credit card. I'm currently a student and working part time. I have one card which the CL is $1000. I only use about $100 a month and then PIF when it show up in my account online. My FICO EQ 654. No lates, no baddies. I was thinking discover, chase, and citi forward. What do you think?

Mega Contributor
Creditaddict
Posts: 19,454
Registered: ‎10-23-2007
0

Re: Which is the best student cc?


Ineedcredit21 wrote:

Hello,

 

I'm looking for a second credit card. I'm currently a student and working part time. I have one card which the CL is $1000. I only use about $100 a month and then PIF when it show up in my account online. My FICO EQ 654. No lates, no baddies. I was thinking discover, chase, and citi forward. What do you think?


Citi Forward would be my first choice because the CL's seem to be really big and of course the every 3 months CLI.

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Established Contributor
ifinet
Posts: 552
Registered: ‎03-17-2010
0

Re: Which is the best student cc?

 


Creditaddict wrote:

Ineedcredit21 wrote:

Hello,

 

I'm looking for a second credit card. I'm currently a student and working part time. I have one card which the CL is $1000. I only use about $100 a month and then PIF when it show up in my account online. My FICO EQ 654. No lates, no baddies. I was thinking discover, chase, and citi forward. What do you think?


Citi Forward would be my first choice because the CL's seem to be really big and of course the every 3 months CLI.


 

Does that go for every Citi card?

 

*guess I wont be closing my Citi card after it unsecures*

Mega Contributor
Creditaddict
Posts: 19,454
Registered: ‎10-23-2007
0

Re: Which is the best student cc?


ifinet wrote:

 


Creditaddict wrote:

Ineedcredit21 wrote:

Hello,

 

I'm looking for a second credit card. I'm currently a student and working part time. I have one card which the CL is $1000. I only use about $100 a month and then PIF when it show up in my account online. My FICO EQ 654. No lates, no baddies. I was thinking discover, chase, and citi forward. What do you think?


Citi Forward would be my first choice because the CL's seem to be really big and of course the every 3 months CLI.


 

Does that go for every Citi card?

 

*guess I wont be closing my Citi card after it unsecures*


According to the posts lately about citi, the CLI button appears online, 90% seem to be soft pulls and 10% ask for the form to be filled out.  There was just a very long post earlier this week about it.

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Established Contributor
ifinet
Posts: 552
Registered: ‎03-17-2010
0

Re: Which is the best student cc?

 


Creditaddict wrote:

ifinet wrote:

 


Creditaddict wrote:

Ineedcredit21 wrote:

Hello,

 

I'm looking for a second credit card. I'm currently a student and working part time. I have one card which the CL is $1000. I only use about $100 a month and then PIF when it show up in my account online. My FICO EQ 654. No lates, no baddies. I was thinking discover, chase, and citi forward. What do you think?


Citi Forward would be my first choice because the CL's seem to be really big and of course the every 3 months CLI.


 

Does that go for every Citi card?

 

*guess I wont be closing my Citi card after it unsecures*


According to the posts lately about citi, the CLI button appears online, 90% seem to be soft pulls and 10% ask for the form to be filled out.  There was just a very long post earlier this week about it.


Thank for the info man. It seems that I'm learning lots of new credit-related information from you lately :smileyhappy:

 

Valued Contributor
smc733
Posts: 1,262
Registered: ‎05-13-2010
0

Re: Which is the best student cc?

Go with the Citi Forward card, you should be a guaranteed approval with a fair limit.

 

Chase is way too strict with the +1 MasterCard despite the fact that it IS supposed to be a student card.

 

And Discover student card, forget it.  They want way too much history, that by the time you have it, you're no longer a student.

Established Member
thephonekid
Posts: 37
Registered: ‎10-11-2010
0

Re: Which is the best student cc?

I'm a student with 2 credit cards. I started with the BoA Student Visa with an $800 limit, did a product change to the BankAmericard and have gotten the limit up to $2,000. I also recently applied for the Citi Forward card, and was approved with a $4,000 limit. My credit scores are in the 690 range and my oldest credit card is 2 years old.

Current Cards: Chase Sapphire-$5,000, Local Credit Union-$1,000
Senior Contributor
score_building
Posts: 3,524
Registered: ‎01-10-2008
0

Re: Which is the best student cc?

Affinity Federal CU has a nice one that is worthy of consideration:

 

http://www.affinityfcu.org/site/personal_youth_visa.html

 


FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)

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