- Centurion Member
- Posts: 249
- Joined: Thu Jul 05, 2012 6:55 pm
- Location: West Coast
Up to you. I read through this thread, and it sounds like you only have one inquiry? You said your Green application was a glitch and no inquiry was made, correct? Your credit history is still short (6 months), and honestly I think the Citi Forward would be a great choice for you. I know you want an AMEX, but do you need an AMEX? The Citi Forward gives you 5x points per dollar spent at restaurants (including fast food!), bookstores (including Amazon.com as long as its the merchant!), music (including iTunes!), movies (including Netflix!), and 1x point per dollar spent anywhere else. It's a great card for young people, and it is relatively easy to get, and there is no annual fee. Not only does the Green have an annual fee, it is also a very conservative lender. I know you want to get your foot in with AMEX soon for backdating purposes, but your credit history is still fresh and young, and there is a chance you may not get approved for the Green for that reason. I'm no AMEX expert, but if I only had 6 months of credit history and made $12k, I wouldn't apply for the Green because there are other cards that have no annual fee and reward me for things I spend on the most. I probably sound like a Citi fangirl, but I absolutely love the card. I can already book a roundtrip flight down the West Coast with my points!
But yeah, I'd apply for it now, I don't think 2 months would make that much of a difference for approval for the student version.
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)