Best Credit Cards for Students (cont'd.)`

Guest: Board Monitor
Board Monitor/ Administrator
Post subject: Best Credit Cards for Students
Posted: Wed Feb 15, 2006 8:56 am

David,

If you've only had 6 months of credit history, you will probably have a hard time getting a decent non-student card. So, I would definitely consider getting another student card before you graduate...if you find one you're interested in.
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Curtis Arnold
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Guest: XeroK00L
Posted: Wed Feb 15, 2006 3:10 pm

While it's true that most student cards suffer from worse APRs and less credit limits than their non-student counterparts, there is ONE card you should definitely try to get before you graduate--the Citi mtvU card, simply because not only does it offer great and unique rewards but there is NO non-student counterpart for this card. Short credit history is not a problem in getting this card as Citibank seems to deny people only if they have any bad records in their credit history, which seems to be not the case for you. Just give it a try already.

Last edited by XeroK00L on Wed Feb 15, 2006 4:17 pm; edited 1 time in total

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Guest: DavidPalmer
Posted: Wed Feb 15, 2006 4:11 pm

Thanks Xero,

I will look into it tonight, and see whats it is all about. I hope you are not a representative of Citi, because you sound like a salesman.

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Guest: CreditFanatic
Posted: Wed Feb 15, 2006 4:25 pm

David,

I've had my Bank of America Platinum Student Visa (formerly known as Fleet Fusion before BoA took over Fleet) since June of 2004. Just this morning, I called to have my student card converted to a Platinum Power Rewards. At the same time, had my credit limit raised from a measely $500 to a more usable $3000 (all this without a hard pull on my credit report!).

So, what I'm trying to say is that student cards aren't so bad. Even with a high APR and low limit, you can use that to your advantage by paying off every month for a year or so. When you're ready, convert it to a regular card like mine and everything's fine.

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Guest: DavidPalmer
Posted: Wed Feb 15, 2006 5:19 pm

Quote:
I've had my Bank of America Platinum Student Visa (formerly known as Fleet Fusion before BoA took over Fleet) since June of 2004. Just this morning, I called to have my student card converted to a Platinum Power Rewards. At the same time, had my credit limit raised from a measely $500 to a more usable $3000 (all this without a hard pull on my credit report!).


why did you have such a low CL?I have had the same card since Sept. and I started off with a $900, which I think is really good when I hear friends of mine start off at like $300. I always thought BofA gave an automatic CL increase after the first 9 months.

Does anyone else know anything about the Citi MTVu card?

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