[Newbie needs help] When to apply for more credit cards

[DanielQin]

Hello everyone,

I am still a student in school, but I will be start working mid-next-year.

Currently I have one Discover IT with CL 1600 since Feb 2012 and FICO 725

I had like 10 HPs because of my car loan(darn it), I just managed to paid it off this month.

I have tried to use my CC better and my Credit Utilization is around 10%`15% average.

Discover just gave me really hard time to increase my CL....

And it is not the best card I want to have...

I want three cards the most,  

1.Amex Blue Cash Preferred.

2.Chase Sapphire Preferred

3. Chase Marriot 

or maybe Barclay reward master card 

That fico score is before I got my loan paid off so it is not up-to-date.

When do you guys think I should apply for more card?

Any suggestions will be appreciated!!

Thanks

[gdale6]

IMHO It would be best to wait till you have a steady work based income prior to apping for more cards, with just student income it will be hard to obtain the cards that you seek.

[FinStar]

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@gdale6 wrote:

IMHO It would be best to wait till you have a steady work based income prior to apping for more cards, with just student income it will be hard to obtain the cards that you seek.

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+1

[DanielQin]

Thanks...

But with that being said, some of my friends(maybe just lucky...) got more than what listed on there...

And I mean I have 100% tuition grant plus living fee so that is like more than 65k per year of income...

..What do you think ?

[DavidZeng]

I am a grad student as well, and will graduate May 2014. I just applied and got approved for both AMEX GREEN and BCP, with just less than 1 month credit history. Maybe you should try AMEX to lock the 2013. Anyway, it is your decision.

[DavidZeng]

I assume you are a international PHD student based on your info, I think it is quite legitimate to apply for more credit as long as you intend to use them responsibly, many of my friends(current PHD students) have a bunch of credit cards, with single card 10K+ credit. If you like you can read more info on this forum about each card you would like to get.

[DanielQin]

You are so lucky.

Merry Christmas man

[NewtoCredit80]

I would recommend CapOne student card and Chase student card. Student have lower credit requirement. Most likely your car inquiries are treated as single inquiries.

[DavidZeng]

I don't really think Cap student is a good idea, it grows slow and not quite friendly towards students,  when I app for Chase, Discover and Cap, I got instant approved for the first two, but was asked to mail or fax them many papers even tax return! Could you please provide more info about Chase student card? I can not find any info about it in my local branch or on their website.

[w003ptr]

You guys are spending an awful lot of money as students to justify the AF on these cards.