@Anonymous wrote:I don't care about UR versus MR i'm just going to transfer points to airlines for free flights. I don't really care about which airline. I don't want the Discover IT because I'm ok with cashback at 2% with Citi I just want Chase cards for points but if I have to wait a year I probably rather just sign up for Amex.
Sounds like what you really need is a travel eraser card like the Discover Miles or Cap1 Venture, because you'll never earn enough points to make it worthwhile if you don't plan to pick a system.
@Anonymous wrote:Thank you for the reply. Could I potentially get an Amex Gold card instead? Would they consider my AU status? I didn't think getting the freedom would be difficult being that I was approved for a similar card from Citi the double cash. I am not in need of credit or extra cash back I just want the travel rewards. Thanks!
In my opinion, I would not be looking at credit cards with annual fees if you have low income while you are in college!
If I were you, head to toward a Discover so that way if you purchase something in the first year, those points will be doubled on the Miles card.
If it were me, I would do nothing until your new Citi card was at least 6 months old and if you hadn't automatically received a CLI, then request one. If approved, it would show a higher limit when applying for other cards. My next move would be to apply at that time, regardless, for the Discover IT card. Then don't apply for any credit cards until after the one year mark. You will have established the beginnings of a solid foundation for your credit cards and be well on your way to getting whatever card you wanted in the not to far future. Just don't miss any payments and keep utilization low and watch how many inquiries you get per year (lower is better)... Good luck!
“Most people work just hard enough not to get fired and get paid just enough not to quit.”
To my understanding, if you have a history with them, then you may be in a better position than most, but someone else may have to chime in to confirm or deny. It still may be to early...
Cap One and Discover are both thin file friendly.
Try the Capital One pre-qualification page and see what they offer you.
As long as your credit file is clean, you could probably get a Cap One Platinum right now. (FYI, you would likely also qualify for the Quicksilver ONE. This card has an annual fee and the Platinum does not. With Capital One, it is much easier to start with a No AF platinum and product change to a normal Quicksilver that does NOT have an annual fee, in a few months, then to try to product change a Quicksilver One to a Quicksilver with no annual fee.) Build a good internal score with Capital One, while growing your file with the CB's and you should have no problem getting the Venture in the future should they not offer you one right now.
The forum is trying to give you a lot of healthy advice, which is what it appears you are looking for, not just validation of what you "want". You seem to be in a rush to tackle the travel points, but it takes patience.
I think several people's stance here is for you to establish yourself. Discover IT, Chrome, Miles- these are higher tier cards than if you go the Capital One route. And they are less likely to become bucketed down the road and stay with you. Discover favors thin files, while Chase does not. If you get approved for a Discover IT card, you will earn 10% on quarterly categorized purchases and 2% on everything else at the end of your first year. Also, the ability to track your FICO score for free. Not to mention a more favorable CR for Chase to look at- they will want your business after a year of growing with Discover.
Getting the "trifecta" takes time- and even so, the Sapphire is not an easy hurdle, especially with a thin profile.
I think several people's stance here is for you to establish yourself. Discover IT, Chrome, Miles- these are higher tier cards than if you go the Capital One route. And they are less likely to become bucketed down the road and stay with you. Discover favors thin files, while Chase does not. If you get approved for a Discover IT card, you will earn 10% on quarterly categorized purchases and 2% on everything else at the end of your first year. Also, the ability to track your FICO score for free. Not to mention a more favorable CR for Chase to look at- they will want your business after a year of growing with Discover.
Getting the "trifecta" takes time- and even so, the Sapphire is not an easy hurdle, especially with a thin profile.
