2nd Card Recommendation, 20 year old student, thin, clean file

[bourgogne]

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@HeavenOhio wrote:

$500–1000 AMEX limits tend to be awfully hard to grow. However, I think that with a slightly longer history, the OP would likely be positioned for an AMEX card above that range.

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I few first cards as burners.  all four of my test 18 year olds got low limit cards and all have grown 3x like clockwork.  the only caveat I would say is all are 90210s, all in school, all get a wad from the parents and all spend like heck on the cards.  low limit amex cards can grow just fine imo

[Anonymous]

Thank you all, I'm getting a lot of good info here. 

I haven't ruled out BoA, but am now leaning towards a NFCU card. They don't have particularly good sign up offers or reward points that work for me, but I think it may be a good long term move. I could also use the no foreign transaction fee perk, something the BoA card doesn't offer.

Side note - I turn 21 in less than a month, so if I do go NFCU, I think I may wait until the start of Feb so that I can count my parents' income. Maybe then another offer will appear, or I can get approved for the Flagship, which would have points/perks I would use. 

@HeavenOhio, I'll see if I can convince my parents to raise that limit. They're disciplined and have a ~820 score so it doesn't seem like it could harm anything.

[Jnbmom]

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@Anonymous wrote:

Thank you all, I'm getting a lot of good info here. 

I haven't ruled out BoA, but am now leaning towards a NFCU card. They don't have particularly good sign up offers or reward points that work for me, but I think it may be a good long term move. I could also use the no foreign transaction fee perk, something the BoA card doesn't offer.

Side note - I turn 21 in less than a month, so if I do go NFCU, I think I may wait until the start of Feb so that I can count my parents' income. Maybe then another offer will appear, or I can get approved for the Flagship, which would have points/perks I would use. 

@HeavenOhio, I'll see if I can convince my parents to raise that limit. They're disciplined and have a ~820 score so it doesn't seem like it could harm anything.

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I agree with the suggestions and Navy is very good to their members. 

You mentioned adding your parents income, unless they are going to help pay your bills I tend to not recommend doing that personally, but that's just me .

You stated your income is 38K , I have seen that range get very nice limits on this forum.

Good luck

[simplynoir]

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@Jnbmom wrote:

You mentioned adding your parents income, unless they are going to help pay your bills I tend to not recommend doing that personally, but that's just me .

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+1