What's a good one? I was looking at the Citi Foward for students (not until north of 630, which should be at month's end - down to 2% util from 50ish). Now, my question is..I take online classes. There is a campus in the town I live in, but I've got a weird schedule (work full time and have a 3 year old, and my husband's schedule is wonky, too), so online is easier. Does that still classify me as a "student"? I take 9 credit hours per semester, so I'm 3/4 time. Do they pull TU? My TU score is about 625 now - the 610 is my midscore.