- Platinum Member
- Posts: 60
- Joined: Tue Sep 25, 2012 11:52 am
- Location: Kansas
If it shows as a student card on your reports (I'm not sure if it does or not) it won't be as appealing to Chase or Amex. If it were me I'd go for the regular on both (still put that you are an employed student if you want, I think I did when I applied)...and if you get a double deny today then your time frame changes to next summer probably when you can reapply for either the more/forward again or all 4 of the cards you want. I honestly think you're planning a little far ahead and you should just see with these 2 now, then get a game-plan from there. I believe they are relatively easy to get approved for.
Edit clarifying what I meant: Whether or not you get approved for these two cards right now will give a better insight into what your credit profile looks like to lenders. If you can get the More and Forward now, then it would be fine to go for Chase and Amex in December. However, if Discover and Citi are declining you now, it would not make sense to apply for Chase and Amex in December thinking things will all the sudden be different and you'll be getting approvals from them.
To answer your question:
If you get approved now: Apply for Chase and Amex in December
If you don't get approved now: Garden until next summer to try again at either just the first 2 or all 4 cards.
In the end, anything is your decision in either way you want to take it moving forward. I hope you get approved for at least 1, but hopefully both of the cards you're wanting now. No matter what happens, be sure to post! Good luck
Travel 3x, Groceries + Gas 2x: [color=Orange"]AmEx PRG[/color] (Closed)
Restaurants + Travel 2x: [color=navy"]Chase Sapphire Preferred[/color]
Groceries 3%, Gas + Department Stores 2%: [color=blue"]AmEx BCE[/color]
Dining + Entertainment 2x: [color=navy"]Citi Thank You Preferred[/color]
Hotels 5x: [color=Black"]Chase Marriott Rewards Premier[/color]
Rotating 5%: [color=darkorange"]Discover It[/color], [color=blue"]Chase Freedom[/color]
Restaurants 5x: [color=lime"]Citi Forward[/color]
Gas 5%: [color=gray"]PenFed Platinum Rewards[/color]
Future: [color=red"]US Bank Cash +[/color]