Which of the two would be better for a 18 year old college student with 7 month old history to apply for. I'm not at 7 months history yet but when I am at 7 months I'm not sure which of the 2 to apply for. I was thinking maybe Preferred gives higher limit and better sign up bonus but then again the Preferred for students might be easier to get.
Starting Score: Ex08-732,Eq08-713,Tu08-717
I just got my preferred student in the mail today with $500 SL. My scores at the time were 680-720 range about 6-7 inquiries and 8 month history. I didn't get an instant approval because I forgot to list that I had a checking and savings account. called the executive office and the woman I spoke with(super nice) submitted my changes(adding the checking and savings) and then about 2-3 weeks later the EO personally called me and said they approved me after I listed my checking and savings. So yeah go for the student if your 18 I'm also a college student at Penn State university and the sign bonus on the student card seems nice too. Hope this helped!
@Bmn5940 wrote:
I just got my preferred student in the mail today with $500 SL. My scores at the time were 680-720 range about 6-7 inquiries and 8 month history. I didn't get an instant approval because I forgot to list that I had a checking and savings account. called the executive office and the woman I spoke with(super nice) submitted my changes(adding the checking and savings) and then about 2-3 weeks later the EO personally called me and said they approved me after I listed my checking and savings. So yeah go for the student if your 18 I'm also a college student at Penn State university and the sign bonus on the student card seems nice too. Hope this helped!
When do you plan to upgrade to Double Cash?
I didn't know that was a thing as of now I'm going to spend the 500 to get the bonus points and making this my main card. When can I upgrade?
After at least a year.
@Bmn5940 wrote:
I just got my preferred student in the mail today with $500 SL. My scores at the time were 680-720 range about 6-7 inquiries and 8 month history. I didn't get an instant approval because I forgot to list that I had a checking and savings account. called the executive office and the woman I spoke with(super nice) submitted my changes(adding the checking and savings) and then about 2-3 weeks later the EO personally called me and said they approved me after I listed my checking and savings. So yeah go for the student if your 18 I'm also a college student at Penn State university and the sign bonus on the student card seems nice too. Hope this helped!
Do you need to establish checkings and savings account to be approved? I have neither with citi.
I didn't have any relationship with citi. This is my only card through them I've never banked with them before. The problem for me why I was initially denied was because I didn't list I had a checking or savings account. 2 calls to the EO later and about a month of waiting they called me and said they reversed their decision and were sending my card. With an APR of 14.49% which I'm pretty happy about. Can't wait to grow this card considering the low APR