topic Re: Cards in college in Credit Cards

Cards in college

Anonymous — Sun, 26 Jul 2015 17:23:35 GMT

if you are currently in college, how many cards to you carry, if you have graduated, how many did you have, and do you still find those cards useful today?

Re: Cards in college

Closingracer99 — Sun, 26 Jul 2015 17:25:23 GMT

@Anonymous wrote:
if you are currently in college, how many cards to you carry, if you have graduated, how many did you have, and do you still find those cards useful today?

If your'e in College I dont see the need to have more then 2 maybe 3 cards. The SM card would be great for College with the 5% on Book stores and the Double Cash/ Quick Silver cards are great since they offer 1.5% or 2% CB on all purchases

Re: Cards in college

Anonymous — Sun, 26 Jul 2015 17:39:12 GMT

Rising junior. I carry my Freedom, Discover It, and BCE.

School's CU card is sitting in SD because 2x Discover promo (or even 1x UR) is more valuable than 1.1% back.

Same for Chase Amazon right now.

I might app for Sallie Mae soon since I do buy groceries and products on Amazon on occasion.

Also may app for a Delta Gold for the sign-up bonus (waiting for 50k?) and free first bag because I do fly between LGA and DTW during school breaks.

I'll also app for DC when Discover's 2x promo.

Re: Cards in college

Closingracer99 — Sun, 26 Jul 2015 17:43:47 GMT

@Anonymous wrote:
Rising junior. I carry my Freedom, Discover It, and BCE.
School's CU card is sitting in SD because 2x Discover promo (or even 1x UR) is more valuable than 1.1% back.
Same for Chase Amazon right now.

I might app for Sallie Mae soon since I do buy groceries and products on Amazon on occasion.
Also may app for a Delta Gold for the sign-up bonus (waiting for 50k?) and free first bag because I do fly between LGA and DTW during school breaks.
I'll also app for DC when Discover's 2x promo.

IF you buy on Amazon why not look at the Store card if you have Amazon prime? I am not sure how Prime works if you got the Student version but I would think it would also qualify for the 5% CB with it.

Works out to be a $99 AF for 5% but TBH I would be having Prime either way so its a valuable 5% CB with the other perks

Re: Cards in college

Anonymous — Sun, 26 Jul 2015 17:44:53 GMT

I currently carry Discover it Chrome, chase freedom, and bank Americard. Also considering adding NFL Extra Points card before finishing my last year of school without any further applications

Re: Cards in college

Closingracer99 — Sun, 26 Jul 2015 17:47:49 GMT

@Anonymous wrote:
I currently carry Discover it Chrome, chase freedom, and bank Americard. Also considering adding NFL Extra Points card before finishing my last year of school without any further applications

TBH unless you go see NFL games the card is pretty useless. I would save your HP lol. I only apped for it because I am a huge Denver Broncos fan and just liked the card

Re: Cards in college

Anonymous — Sun, 26 Jul 2015 17:52:44 GMT

I'm coming into my junior year. I regularly carry CSP, sallie Mae, delta Amex and Capone QS. I have all together 6 cards. Around 30k total in lines with my CSP being the highest at 7.5k

Re: Cards in college

Anonymous — Sun, 26 Jul 2015 17:55:14 GMT

I do buy NFL merchandise occasionally, and that 20% off discount could come in really handy especially around Christmas time with a family full of football fans.

from what I've read, CLI are pretty good if you use the card occasionally and pay in full.

Re: Cards in college

Anonymous — Sun, 26 Jul 2015 17:55:37 GMT

My student prime expired last year. It's $49 to renew for students, but I don't need the 2-day shipping so the store card doesn't really do much for me. I actually have a few hundred in Amazon GCs sitting in my account from Freedom's Q4. At least I'll be getting 5% back on groceries as well with the Sallie Mae.

Re: Cards in college

Closingracer99 — Sun, 26 Jul 2015 17:59:19 GMT

@Anonymous wrote:
I do buy NFL merchandise occasionally, and that 20% off discount could come in really handy especially around Christmas time with a family full of football fans.
from what I've read, CLI are pretty good if you use the card occasionally and pay in full.

I have it and it's decent with CLI. Got the card with a $500 limit. They auto it up to $2,000 and I just asked for one and got a $1,000 increase to $3,000

Re: Cards in college

Anonymous — Sun, 26 Jul 2015 18:04:30 GMT

For me, having the highest credit line possible right now really isn't my main concern. Mainly because I'm not putting much on the cards... Mostly just happy to be building up good history.

Re: Cards in college

Anonymous — Sun, 26 Jul 2015 18:27:31 GMT

I just graduated in Dec. see my current cards in my sig. USAA and walmart and BCE are in the SD

Re: Cards in college

Anonymous — Sun, 26 Jul 2015 18:37:11 GMT

Sorry for the question, but what is SD?

Re: Cards in college

Sharingan — Sun, 26 Jul 2015 18:41:57 GMT

@Anonymous wrote:
if you are currently in college, how many cards to you carry, if you have graduated, how many did you have, and do you still find those cards useful today?

I carried 6 main cards during college: Freedom, CSP, BCE, Discover More/IT, Citi Forward and the AmEx Zync. I had others too, but these were carried with me most of the time. I still have all of these cards because they are very useful years later.

Re: Cards in college

OmarGB9 — Mon, 27 Jul 2015 00:51:38 GMT

I have 5. WF Platinum, Cap1 QS, Barclay Rewards, Chase Freedom, and Cap1 Venture. Still in college. Use all of these cards based on what I'm buying.

Re: Cards in college

Anonymous — Sun, 07 Aug 2016 17:50:05 GMT

deleted

Re: Cards in college

Anonymous — Mon, 27 Jul 2015 02:57:11 GMT

Going into my senior year of college this fall, just got 3 extra cards back in February/March. To be fair, I'm 24, not typical college senior age, I just had my Discover card from when I was 22, and now my Double Cash, BCP and Ring (in order of acquisition). I think I'll be set for a while now.

Re: Cards in college

smith5879 — Mon, 27 Jul 2015 05:22:15 GMT

I used just a Citi Dividend student version from my freshman year until about a year after I graduated. Then I PC'd to the WEMC Dividend and got most of the other cards in my sig. I also ended up PC'ing the Dividend again to the Double Cash card. I'm not sure a college student needs more than one or maybe two cards. First off, their spend probably can't justify spreading it out over so many rewards programs. Second, some may be a little careless with their credit lines, so fewer lines means less temptation to overspend and rack up credit card debt along with their student loan debt. If I was a student again I'd get maybe a double cash, if approval was feasible, for general spend and then maybe a Sallie Mae or Amex BCE for groceries and gas. Approval on those two cards for a college student with little or no credit may not be possible though.