Will I qualify for a Citi Forward card for college students?

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sleepysentry
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Will I qualify for a Citi Forward card for college students?

Postby sleepysentry » Mon Mar 07, 2011 12:07 am

I'm a 20-year-old college junior with absolutely no credit history whatsoever. I earned $9700 this year and around $8000 last year (plus I have $10k in savings), but most of my income comes from self-employment and thus would be hard to verify. About $2000 of my income comes from a verifiable job on-campus. The rest is Internet from freelance writing and my online business.

After looking through all my options, Citi Forward card for college students looks like the best card for me.
1. Do I have a good chance of being approved for this card?
2. Should I list all of my income or only the parts I can easily verify?
3. What documents would I need to verify my income? Again I only have a W-2 for my on-campus job.
4. Are there any other cards I should look at?


CCG
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Postby CCG » Mon Mar 07, 2011 11:12 am

Welcome to the forum!

When it comes to the Citi Forward card for college students, according to feedback on this forum, the qualifications are very accommodating for those new to credit. This credit card has been geared towards the 20-something crowd from day one.

To answer your questions:

1. Do I have a good chance of being approved for this card?
I believe so but please realize credit qualifications for any card are constantly changing. I do not have any insider knowledge as to what the credit requirements are. That is information the banks keep secret.

2. Should I list all of my income or only the parts I can easily verify? Please check the application as each issuer has different rules for what can be included. If it is true income then I do not see any reason why it should not be included.

3. What documents would I need to verify my income? Again I only have a W-2 for my on-campus job.[/I] Any credit card company in theory can request anything they desire but when it comes to cards like these, I do not recall any forum posters who have had to send in tangible income verification for a student or entry level credit card. Regardless it is important to be 100% honest on your application.

4. Are there any other cards I should look at? The American Express Zync is a popular card on this forum for those building credit. You may wish to check out this review and sponsored offer for it: American Express Zync review

For the Citi Forward card for college students, as well as the regular version, here is a review and sponsored offer for it: Citi Forward credit card review

Good luck!
CreditCardGuru



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