Best Credit Card for Recent College Graduate
Guest: wouql
Post subject: Best Credit Card for Recent College Graduate
Posted: Sun Apr 23, 2006 6:21 pm Post subject: Apply now or later?
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I'm a college kid graduating in about a month with two different credit cards, but I'd like another.
I'm at that college stage where I'm still getting roughly 100 quintillion pre-approved offers a credit per second, and I'm trying to figure out if I should apply now or wait.
Who do you think gets a better credit card deal - a college student near graduation, or a guy who's been out of school and in a job for only 3 months? My credit scores are good (700-710 on all three), and my job offer is a good one (~$58k).
Any opinions?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: ALex
Posted: Sun Apr 23, 2006 6:34 pm
[quote="wouql"]I'm a college kid graduating in about a month with two different credit cards, but I'd like another.
I'm at that college stage where I'm still getting roughly 100 quintillion pre-approved offers a credit per second, and I'm trying to figure out if I should apply now or wait.
Who do you think gets a better credit card deal - a college student near graduation, or a guy who's been out of school and in a job for only 3 months? My credit scores are good (700-710 on all three), and my job offer is a good one (~$58k).
Any opinions?[/quote]
If your credit is in good shape, you could get approved for an MBNA or BOA Credit Card.. with a starting credit line of anywhere between 1000 to 2000. Depending on you major, and what type of profession that you will be in, the credit line could be higher.. Go to www.mbna.com or www.bankofamerica.com and see what is available for credit cards. .. There may even be one that is affiliated with your college..
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Sun Apr 23, 2006 6:39 pm
get one every six months starting after you have your job and an income to brag about.
Get a pulaski bank card for carrying a normal balance.
Grab a BOA or MBNA rewards card.
Discover 5% cash back on gas is a nice card but the Citibank 5% back on gas lets your earn more rewards per year - but hey get both.
Nothing wrong with picking up an AMEX card of choice for impressing the ladies.
Avoid store cards other than 1 or 2 places where you think you will shop alot and where it would be nice to get the special sale notices or special purchase offers.
and oh yea.. live within your means and good luck in the career !
_________________
Average FICO score: 709
56 Months of perfection!
2 Visa, 2 MC, Disc, Home Depot
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: wouql
Posted: Sun Apr 23, 2006 6:50 pm
Yeah, I have the Chase Student Platinum and the BofA Student Platinum....those are my two.
I should have been more explicit. What I really meant to ask was: Is either of these offers overwhelmingly likely to be better than the other:
* the type of "college student" card someone who's about to graduate could get
or
* a non-student "regular" card that someone who's been at a job for ~3 months could get
I'm not sure which would likely be better. Since all of mine are student cards, I'm wondering if a "regular" one would have better rates then a student one. I'm planning to balance transfer some stuff, and length of intro APR is my biggest selling point. Most student cards have about a 6mo window. Thanks again.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Best Credit Card for Recent College Graduate
Posted: Sun Apr 23, 2006 6:21 pm Post subject: Apply now or later?
--------------------------------------------------------------------------------
I'm a college kid graduating in about a month with two different credit cards, but I'd like another.
I'm at that college stage where I'm still getting roughly 100 quintillion pre-approved offers a credit per second, and I'm trying to figure out if I should apply now or wait.
Who do you think gets a better credit card deal - a college student near graduation, or a guy who's been out of school and in a job for only 3 months? My credit scores are good (700-710 on all three), and my job offer is a good one (~$58k).
Any opinions?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: ALex
Posted: Sun Apr 23, 2006 6:34 pm
[quote="wouql"]I'm a college kid graduating in about a month with two different credit cards, but I'd like another.
I'm at that college stage where I'm still getting roughly 100 quintillion pre-approved offers a credit per second, and I'm trying to figure out if I should apply now or wait.
Who do you think gets a better credit card deal - a college student near graduation, or a guy who's been out of school and in a job for only 3 months? My credit scores are good (700-710 on all three), and my job offer is a good one (~$58k).
Any opinions?[/quote]
If your credit is in good shape, you could get approved for an MBNA or BOA Credit Card.. with a starting credit line of anywhere between 1000 to 2000. Depending on you major, and what type of profession that you will be in, the credit line could be higher.. Go to www.mbna.com or www.bankofamerica.com and see what is available for credit cards. .. There may even be one that is affiliated with your college..
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Sun Apr 23, 2006 6:39 pm
get one every six months starting after you have your job and an income to brag about.
Get a pulaski bank card for carrying a normal balance.
Grab a BOA or MBNA rewards card.
Discover 5% cash back on gas is a nice card but the Citibank 5% back on gas lets your earn more rewards per year - but hey get both.
Nothing wrong with picking up an AMEX card of choice for impressing the ladies.
Avoid store cards other than 1 or 2 places where you think you will shop alot and where it would be nice to get the special sale notices or special purchase offers.
and oh yea.. live within your means and good luck in the career !
_________________
Average FICO score: 709
56 Months of perfection!
2 Visa, 2 MC, Disc, Home Depot
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: wouql
Posted: Sun Apr 23, 2006 6:50 pm
Yeah, I have the Chase Student Platinum and the BofA Student Platinum....those are my two.
I should have been more explicit. What I really meant to ask was: Is either of these offers overwhelmingly likely to be better than the other:
* the type of "college student" card someone who's about to graduate could get
or
* a non-student "regular" card that someone who's been at a job for ~3 months could get
I'm not sure which would likely be better. Since all of mine are student cards, I'm wondering if a "regular" one would have better rates then a student one. I'm planning to balance transfer some stuff, and length of intro APR is my biggest selling point. Most student cards have about a 6mo window. Thanks again.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 3:56 PM
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