bmw1990Z wrote:dude when you are starting out, there is a high possibilty you are going to get denied...a secured card is always an option. I know I sound like Citi's #1 fan on here because I post about them alot, BUT they are very leniant--way more so than Capitol 1. Even if you get denied, call the number and explain your situation and they will almost certainly approve you. The card is also top rated on this forums list for student cards.
My opinion on cash back cards is that the they aren't worth it. Citi gives numerous points for signing up plus you get offers throughout the year to increase your point values..to put it this way, I've had the card six months and had enough points to get two round trip airfare..cash back would've been no where near that. But thats because you get 5x points on things like eating out which is what I use the card for and going to movies and things like that....
Oh boy have I gotta disagree with this. Cash back cards aren't worth it? I beg to differ. I got 166 dollars back in one month from Discover this year alone. I found it worth it.
As for Citi being lenient, you are kidding right? My experience is if they decline you, the CSR has little if any room to override the decision. They actually declined me for not having a balance on a revolving card - I had 0 in revolving debt. I called them and said that's because I paid in full and asked for a recon. DENIED end of discussion.