Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
Re: college student seeking advice

Cdnewmanpac wrote:
Question: why blue sky? Amex revolvers are amongst the harder to get cards, reward structure designed for frequent flyers. Since you plan to pif, why not the zync? No preset limit, restaurant pack means double points on food, the thing college students typically spend the most on, great Amex purchase protection, use doesn't count towards your utility on fico. Like others above, I think the student forward is a great student card. Citi is very good about credit limit increases over time. My wife started with them in college and is now at 40k credit limit with zero interest offers all the time.


I agree with applying for Zync, but don't be surprised if you're declined or approved with a hard limit. They are fairly sensitive to income.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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