I am a grad student making 25k a year and with the exception of a store card, my Citibank platinum is my lowest cl at 1k. Also have a us bank flexperks cash rewards at 4k, chase slate at 3k, discover more at 3k, and very recently a Amex bce at 15k (still think they made a mistake with that!) I got the Citibank second to last. It was my most recent until yesterday wIth the Amex. I guess I am NOT getting love from Citibank.