HELP: College Student looking buy laptop on credit

For just about anything you want to get off your chest about credit cards.
5 posts
BrizardHandback
 
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Joined: Wed Feb 27, 2013 6:25 pm
Location: NJ

HELP: College Student looking buy laptop on credit

Postby BrizardHandback » Wed Feb 27, 2013 6:28 pm

Well, I have a stable funded job to which I planned to get better credit by getting a card - so I can buy school essentials and a laptop.

So anything designated for students, cash back, Amazon purchases would be awesome from the pros of this forum. I am looking forward to any responses in aiding me. Thank you.


Daniel
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Location: US

Postby Daniel » Thu Feb 28, 2013 2:35 pm

BrizardHandback wrote:Well, I have a stable funded job to which I planned to get better credit by getting a card - so I can buy school essentials and a laptop.

So anything designated for students, cash back, Amazon purchases would be awesome from the pros of this forum. I am looking forward to any responses in aiding me. Thank you.


I think everyone here would be happy to lend you their opinion as to what would be some good options for you and your situation, however we may need more information about you for our advice to be meaningful. Some things that would be helpful would be some summary about credit experience, is your score around 660, 680, 700 etc, (visit at least a few of creditsesamie, quizzle, credit.com, creditkarma, or any of the other actually free credit sites to get an idea), and any additional report information you are willing to share (check out some of the other posts to see what people like to share), and sometimes things like income can be useful. Remember you don't have to share anything with us, only the things you are comfortable sharing.

darkguy2
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Postby darkguy2 » Thu Feb 28, 2013 6:26 pm

It really depends on your credit history. I got a Discover it card to pay for my new computer since the one I bought freshman year was getting to bulky to carry around to classes. Your best bet is probably to try for a student card and if you can not get it then you will have to get a secured card. Kind of hard to say without more info like Daniel said.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

BrizardHandback
 
Posts: 2
Joined: Wed Feb 27, 2013 6:25 pm
Location: NJ

Postby BrizardHandback » Thu Feb 28, 2013 7:55 pm

Okay. Let us assume I have no credit, and I am trying to build one. As far as income goes, I am currently making approx. $200 a week, which ends up around $700~ after all the bs. I am interested in getting a 'student credit card' knowing that the policies around the contract would be a bit more lenient towards students, and correct me if I am wrong.

I heard one from a friend about his student Chase card, getting him $100+ money back, and points on very purchases in stores for books and essentials. Maybe something like that, or better. I am taking considerations pretty seriously as I am pretty new to this field.

Thanks in advance.

mattymatt808
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Postby mattymatt808 » Thu Feb 28, 2013 9:50 pm

I would absolutely recommend the Discover it card if you are in position to get one. You can get 10% cash back from Dell or 5% cash back with Apple, Best Buy, J&R Electronics, Lenovo, and Toshiba (all through ShopDiscover).
$2500 First Hawaiian Bank (6/10)
$4500 CHASE Freedom (2/13)
$3500 Citi Forward (2/13)
$2000 Discover it (2/13)
$9600 AMEX BCE (3/13)
$10000 CHASE Sapphire Preferred (7/13)
$5000 CHASE Ink Plus (8/13)



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