When to start getting non-student cards?

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sltyler1
 
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When to start getting non-student cards?

Postby sltyler1 » Fri Jul 13, 2012 11:52 am

What's the best practice for starting to get non-student credit cards.

I have two student ones at the moment that I pay off every month.
1) Chase student, $500 credit limit, 2+ years old
2) Discover student, $1,500 credit limit, 1 year old

Just curious cause I'd love to get a chase freedom cause the student chase doesn't have any rewards close to the discover one.

oh and I just started paying electric and cable bills for the first time last month.

thanks!


Money card
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Postby Money card » Sun Jul 15, 2012 4:40 pm

I would say when you are done with college, call them up tell them you want to start earning what everybody who works gets.

this is assuming after college you have a job.

websteth
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Postby websteth » Sun Jul 15, 2012 8:24 pm

I had a student card and the minute after graduation, I called and had it converted to a regular one. This was American Express back in like 2004 but they had no problem converting it. I would say your success would depend on your history with the company and your current credit situation.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard

bmw1990Z
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Postby bmw1990Z » Mon Jul 16, 2012 3:16 pm

You don't have to wait. Student cards are a good resource to help you establish credit as a student. I had mine for a year to establish payment history then last month (shortly before having the forward for a year) got the gold detla skymiles amex.
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

MemberSince99
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Postby MemberSince99 » Mon Jul 16, 2012 3:32 pm

bmw1990Z wrote:You don't have to wait. Student cards are a good resource to help you establish credit as a student. I had mine for a year to establish payment history then last month (shortly before having the forward for a year) got the gold detla skymiles amex.


BMW how do you like the Delta card?

Centium
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Postby Centium » Mon Jul 16, 2012 4:13 pm

sltyler1 wrote:What's the best practice for starting to get non-student credit cards.

I have two student ones at the moment that I pay off every month.
1) Chase student, $500 credit limit, 2+ years old
2) Discover student, $1,500 credit limit, 1 year old

Just curious cause I'd love to get a chase freedom cause the student chase doesn't have any rewards close to the discover one.

oh and I just started paying electric and cable bills for the first time last month.

thanks!


Where did you get the Chase Student CC? I'm asking on behalf of someone interested in a student CC right now. Thanks.
Chase Sapphire Preferred - $20,400 | Citi Dividend World Elite Mastercard - $19,600 |Amex Delta Skymiles Gold - $14,000 | Chase Amazon Visa Signature - $6500 | Dell Preferred Account - $2,500 | Kohl's Charge - $2500 | Amex ZYNC - NPSL

Centium
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Postby Centium » Mon Jul 16, 2012 4:15 pm

bmw1990Z wrote:You don't have to wait. Student cards are a good resource to help you establish credit as a student. I had mine for a year to establish payment history then last month (shortly before having the forward for a year) got the gold detla skymiles amex.


Before you applied for the forward, did you have any history? Also, what is the limit on it now, if you don't mind me asking? Trying to see if a family member applying for college forward with no history would get approved for it.
Chase Sapphire Preferred - $20,400 | Citi Dividend World Elite Mastercard - $19,600 |Amex Delta Skymiles Gold - $14,000 | Chase Amazon Visa Signature - $6500 | Dell Preferred Account - $2,500 | Kohl's Charge - $2500 | Amex ZYNC - NPSL

432521
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Postby 432521 » Mon Jul 16, 2012 6:53 pm

I am still in college and I have both student version of certain credit cards, but i also have non-student versions (my chase freedom) as well. The only reason why I went for the student version of the discover more is because I had just apped for my freedom and didn't want to waste a hard pull on a discover and not get it so I went for the student version because i was 95% sure I would get approved over about a 75-85% on the regular version. Doesn't really matter to me because the student version gets the same exact benefits, just a shorter 0% apr, which i believe they gave me the full 15 months anyways.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

KingVicc
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Postby KingVicc » Mon Jul 16, 2012 10:09 pm

Assuming that you've made every payment on time, and have been fairly good with your cards, I think you should go ahead and try it out. I'm 21, and my first card was the Wells Fargo Platinum Card, I think at $1500, when I was 19.

Last November I tried out the Barclay and was approved. I also gave the AMEX Blue a try and got it approved. Since then I've had 1-2 CLI's on each and they have all successfully been approved. I think you should start with something like the Blue, but you should give the freedom a try. I'm also looking forward to applying for it. Good luck!
[size=80]Wells Fargo Platinum Card (2010)
American Express Blue Card (2011)
Barclay US Card (2011)
[/size]



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