Getting a credit card as a college student in 2013

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4 posts
tigerowl06
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Posts: 93
Joined: Sat Jan 21, 2012 1:43 am
Location: Seattle/WA

Getting a credit card as a college student in 2013

Postby tigerowl06 » Mon Apr 01, 2013 1:31 am

My sister is a full time student in college, and is not working a job of her own. What's her best option for a credit card?

Can she report money she gets from her parents each month as income? I think I've seen that other places on the board...

How would you guys do it? It would help her to get her credit report started.
Chase Freedom ($2.5K, 10/2009)
Discover it ($6K; 03/2011)
Amex BCE ($19.5K; 02/2013 - 2011 BD)


Bksuper
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Location: California

Postby Bksuper » Mon Apr 01, 2013 5:55 am

1. Citi Forward for College Students, 1st Financial Bank Platinum Student Visa
2. Yes, she can
3. Depending on income, she may or may not be approved for a student card with no history, so a jointly owned or co-signed card might make sense to start.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

DavidNY
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Location: New York

Postby DavidNY » Mon Apr 01, 2013 4:14 pm

Sallie Mae MC may be more rewarding depending on her spending patterns.

HookEmHorns
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Location: Dallas/Austin

Postby HookEmHorns » Mon Apr 01, 2013 4:18 pm

I was denied for a Citi and Capital One and I had some credit history, with no negatives. I would go with the Discover IT College card.
AMEX PRG~1/14--backdated to 2012
AMEX BCE~6/13--backdated to 2012
Chase Freedom~5/13
Discover IT ~12/12

:cool:



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