Credit Cards

[jsickz32]

@jd5189.
I applied at the branch...i was out of high school already.

[j_casteel]

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jsickz32 wrote:
@jd5189.
I applied at the branch...i was out of high school already.

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thought student cards were referring to college students

[jsickz32]

@j-casteel
Lol i dont know but i still have the card. And when my card expired earlier this year they called me and ask for all my info again to send me new card. They asked me if i was still a student, i said no but they sent me a new card anyways.

[jd5189]

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j_casteel wrote:

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jsickz32 wrote:
@jd5189.
I applied at the branch...i was out of high school already.

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thought student cards were referring to college students

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I thought the same thing j_casteel. But, like I mentioned previously, that was in 2009. The CARD act has changed much in terms of students and credit cards. But, back to the OP's issue, my guess is since your gf's credit report has nothing in it, she is probably not a student unless she paid for her education in all cash. Which is do-able, and if she did, I imagine she has a bank account somewhere that would net her a fairly decent card . Just talk with a branch manager (or someone who offers credit cards) at the BoA branch and let us know how things go!

[netsfan549]

I just came back from boa. The lady right away offered her 1,2,3 credit card. I thought it was fishy especially when she doesn't have a credit history. I told her she doesn't gave a credit history. I asked her about student cc she totally ignored my question. What are chances she gets accepted for 1,2,3. I told her she should get student one

[jd5189]

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netsfan549 wrote:
I just came back from boa. The lady right away offered her 1,2,3 credit card. I thought it was fishy especially when she doesn't have a credit history. I told her she doesn't gave a credit history. I asked her about student cc she totally ignored my question. What are chances she gets accepted for 1,2,3. I told her she should get student one

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Did they take a chance and look at her account? Or did she just randomly throw the 1,2,3 card in the works without taking the time to look over her account history. I believe the 1,2,3 is their cash rewards card. It is rated for people with Fair to Excellent credit. Since she has an established account, my guess is she might have a chance of approval and that is why the lady recommended it.

[netsfan549]

She offered it right away without looking at her account history. She's thinking about getting discover student. Yes or no?

[jd5189]

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netsfan549 wrote:
She offered it right away without looking at her account history. She's thinking about getting discover student. Yes or no?

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I still havn't seen you say whether or not she is an actual student or not. I tried app'ing Discover for my wife who had no credit history other than being an AU on my amex cards with Discover. I filled out the pre-approval and it said "Congrats you're pre-approved for the following: Discover More" I app'd and she got declined. Maybe the Discover Student is a little more lenient, but I could not imagine it being much more lenient.

[netsfan549]

Yeah this is her first semester

[jd5189]

Then she would qualify for a student card if she has income. Being her lack of history, I would recommend the student card she has been getting pre-approvals for. The 1-2-3 is a cash rewards card (which is nice to get cash back) but the underwriting criteria might be a bit more stringent. She can do the student application online through BoA's website.