topic Re: Discover/Citi Question in Credit Cards

Discover/Citi Question

Jayb5635 — Sat, 02 Mar 2013 21:00:01 GMT

Hey all, so most likely tomorrow I plan to apply for the discover it and the citi forward. My question is should I apply for the student versions of each card ??? Is there any difference ???

Re: Discover/Citi Question

charleeislegend — Sat, 02 Mar 2013 21:03:41 GMT

they are easier to get approved for but they dont have any signup offers and may give lower limits as u can tell from my signature

Re: Discover/Citi Question

Jayb5635 — Sat, 02 Mar 2013 21:06:41 GMT

Ah ok. The low limits would make me wanna apply for the regular cards then lol. Altho on Citi's site now only the student is listed.

Re: Discover/Citi Question

Anonymous — Sat, 02 Mar 2013 21:13:17 GMT

@Jayb5635 wrote:
Ah ok. The low limits would make me wanna apply for the regular cards then lol. Altho on Citi's site now only the student is listed.

Yes they took down the regular version Citi Forward from their website last month.

Re: Discover/Citi Question

Jayb5635 — Sat, 02 Mar 2013 21:16:11 GMT

Gotcha. So I'll app for the citi forward student version if thats all that's available then. Now need to decide which version of discover it card to go for.

Re: Discover/Citi Question

agent_bob — Sat, 02 Mar 2013 21:17:54 GMT

Even if it is the student version, will it still grow with you?

Re: Discover/Citi Question

Jayb5635 — Sat, 02 Mar 2013 21:20:08 GMT

I wonder as well. I would hope so. Otherwise I think I'll take my chances applying for regular discover it. Decisions, decisions.

Re: Discover/Citi Question

Anonymous — Sat, 02 Mar 2013 23:02:17 GMT

@agent_bob wrote:
Even if it is the student version, will it still grow with you?

Yes I believe so. The main difference as another poster pointed out is no signup bonus and maybe a lower starting CL.

EDIT: Citi usually soft pulls for CLIs and you can request one every 6 months.

Re: Discover/Citi Question

koalablue — Sat, 02 Mar 2013 22:51:42 GMT

If you have the income and history to apply for the regular versions of the cards (and it looks like you do from the cards in your profile) I would apply for the regular versions. You probably will get higher limits and they'll grow with you better I would think. Best of luck!

Re: Discover/Citi Question

agent_bob — Mon, 04 Mar 2013 05:44:13 GMT

@Anonymous wrote:
@agent_bob wrote:
Even if it is the student version, will it still grow with you?
Yes I believe so. The main difference as another poster pointed out is no signup bonus and maybe a lower starting CL.

EDIT: Citi usually soft pulls for CLIs and you can request one every 6 months.

I was referring to the Discover IT, sorry I should have specified.
I was wondering so I have an idea of what to apply for in the future. I am still in college, but ironically even tho I have a Freedom & a decent sized CL do not have much of an income.. just a part time job. Nursing school doesn't allow for much free time. It just wonder which card's would grow with me with the future because I'd like to have the least amount of CC's as possible. The only reason to why I have a Freedom is because I switched banks from BofA to Chase. Originally I was denied, but due to this site I found out you could recon it. Which ended up in me getting it with a small, $400 CL.