21 years old with a 750 FICO - Card recommendations?

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sleepysentry
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21 years old with a 750 FICO - Card recommendations?

Postby sleepysentry » Tue Jun 26, 2012 11:59 am

I'm a 21-year-old student with one year of credit history-- a $2,000-limit Citi Forward card I signed up for on the advice of members here. I checked my credit score through FICO today and was surprised at how high it is: 750.

Now that I have at least some credit history, I would like a card that provides more perks. I'm especially interested in an American Express Blue Cash, but my income is under $20k and I'm not sure if my history is long enough. I'm also looking at the Southwest Rapid Rewards card and the Delta AMEX since I do travel a fair amount.

Any tips on what would be a good second card for me? What would be a good AMEX card to apply for given my background?


432521
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Postby 432521 » Tue Jun 26, 2012 12:16 pm

I am 19 and have an income that is way lower than 12K, I have a chase freedom with a CL of 500 and I love the card and they have the 100 cash back promo going on right now. I also have a 750 score based on what chase told me themselves so you should get approved for the freedom.

I also have the Discover More and my CL on that is 2500. I have the student version though. If you want a sure thing I would go with the Discover more student version because I did have to call for a recon to get my chase freedom.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

Ratfacedudeguy
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Postby Ratfacedudeguy » Tue Jun 26, 2012 12:28 pm

Be aware though that other lenders may interpret your score as a "false high" and may not give that score the full weight as it would have with someone with a long established credit history. The best thing as 432521 said would probably be to stick to student cards for the time being so you run less of a risk of adding unnecessary inquiries due to declines -- when they pile up, that will make other lenders even less likely to extend credit to you.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

sleepysentry
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Postby sleepysentry » Tue Jun 26, 2012 3:19 pm

Thanks for the advice, guys. I went ahead and applied for the Delta Gold American Express and was approved instantly for $2k.

Money card
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Postby Money card » Tue Jun 26, 2012 9:55 pm

what about pass from American express that's their student card?

dlgoldamex
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Postby dlgoldamex » Sat Jun 30, 2012 9:43 pm

Pass is just a pre-loaded card. Not a credit card.
Gold Delta Skymiles -AU- $25k- 4/12
Citi Forward Visa- $6.1k- 8/12
Amex Gold Delta Skymiles- $3.8k- 1/13
BofA Travel Rewards Visa Sig- $5k- 1/13
Amex Blue Cash Everyday- $5k- 7/13
Barclaycard Arrival WEMC- $5k-1/14
Cap One Quicksilver Visa Sig- $10k- 4/15

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Postby Money card » Sun Jul 01, 2012 8:35 pm

dlgoldamex wrote:Pass is just a pre-loaded card. Not a credit card.


but it's good for students, or what about the capital1 journey card?



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