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#1
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I'm currently in the process of establishing credit... I normally only use a debit caard (or cash), and I have no student loans. I have a student credit card through my bank, but from what I understand, it's really not doing anything for my actual credit score (I believe its simply designed for students to get used to handling a credit card). Anyways, my parents think i should apply for a credit card, and I figured 2plus2 would be a good forum to find out the best way to establish credit/get a credit card for a college student. any ideas?
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#2
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#3
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I have the Citi card for college students
Great rewards for the value, and low low interest rates. Also, they even reward you for good GPA, and paying on time. ftw. |
#4
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PICTURE:
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#5
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[ QUOTE ]
PICTURE: ![]() [/ QUOTE ] I thought about getting that card but decided to get the CITI Professional card. I get 3 pts/$ at Restaurants, Gas stations, and office supply stores. It also makes sense for me b/c I drive a gas guzzler - live 2 hours from my g/f and since i have a g/f, eat out a lot...half way to an ipod now...it is worth considering if you spend lots of money at these places, their points program is decent |
#6
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either way, i think citi has great credit card deals and rates.
their regular commercial banking.. not so great. |
#7
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I have the AmEx Blue Cash (among others) and love it.
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#8
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I don't understand why you think a student credit card from your bank won't help your credit score. I think it should. But if you're going to go look for another one, I guess it depends a little on what score you have. It's nice to get a rewards card (if you pay off the balance in full every month), but sometimes it requires a better credit score. Student credit cards are designed for kids with little credit history. If you do decide to go for a rewards card, a cash back card is usually nice. I use Chase Freedom myself.
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#9
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thanks for the responses... I'm probably going to look into a citi credit card... as it is, my bank credit card offers no rewards at all.
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#10
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Whatever you get, as soon as you get it, tell em you want better interest rate.
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