- Centurion Member
- Posts: 388
- Joined: Thu Nov 21, 2013 1:13 pm
- Location: United States
The real decision maker is regarding which card to apply for. It depends on the sign-up bonus you want. The it Student currently offers $20 in cash back. The regular it has either a 0% APR on balance transfers for 18 mo OR a 0% APR on balance transfers and purchases for 14 mo.
I think income level probably has more weight on your CL than employment/student status. A PT employee could pull in $45K a year whereas in some industries working FT can mean only $25K a year. Students can make $5K a year or $10K, depending on safety net and loans.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).