23 year old professional student trying to build credit

For just about anything you want to get off your chest about credit cards.
willgatlin25
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Postby willgatlin25 » Sat Sep 21, 2013 2:26 pm

Haha, no disrespect intended, I just thought it was a funny statement. As if to say ,"Hey, I'm a student, which sounds dull, but if I throw the word professional in there it will sounds better!"
I'd be the one to do something like that....


im_mr_awesome
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Postby im_mr_awesome » Sat Sep 21, 2013 2:31 pm

Oh no worries, at least with me. I see the word "Professional" thrown around a lot, and placed in contexts it should not be used in. Working with computers, I've seen "Professional and easy antivirus", so I've grown beyond the word professional having much real-world meaning.
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680

3lite
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Postby 3lite » Sat Sep 21, 2013 2:48 pm

willgatlin25 wrote:I want to know what a "Professional Student" is.... lol sorry, I couldn't help it.


Lol oops, I meant I was in Professional school.

willgatlin25
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Postby willgatlin25 » Sat Sep 21, 2013 2:51 pm

Now it makes sense! lol seriously, no disrespect, I just couldn't help myself.

SClay
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Postby SClay » Sat Sep 21, 2013 3:11 pm

willgatlin25 wrote:I want to know what a "Professional Student" is.... lol sorry, I couldn't help it.


There are such things as professional students. Ones who don't party, or others who don't cram in a few chapters in a textbook a night before an exam/test.
Capital One Secured AU | $1851 | 10/2013
Capital One Journey | $1000 | 03/03/2016
American Express Delta Gold | Denied | 03/13/2016
Citi Bank Double Cash | $1000 | 03/13/2016
Chase Amazon Visa | Pending | 03/13/2016

3lite
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Postby 3lite » Sat Sep 21, 2013 6:07 pm

willgatlin25 wrote:Now it makes sense! lol seriously, no disrespect, I just couldn't help myself.


So, which credit card do you recommend?

Midori
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Postby Midori » Sun Sep 22, 2013 2:15 pm

Haha, I always thought "professional students" were the ones who took just enough classes to take advantage of cheap campus housing in an expensive city, but never had any intention to graduate.

Have you thought about the Citi Forward for College Students? It has 5 points for every $1 on books, music, movies, and restaurants--- and Amazon is considered a bookstore. And it gives 100 bonus points each billing period for paying your bill on time and staying under your credit limit... an easy 1200 points/year right there.

The Amex Blue Cash Everyday was mentioned earlier, with no annual fee, 3% on groceries and 2% on gas and department stores.

3lite
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Postby 3lite » Mon Sep 23, 2013 2:09 am

Got rejected for the Citi Forward card on the spot. WTF

Midori
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Postby Midori » Mon Sep 23, 2013 8:49 am

Oh, wow. Did you app for the regular Citi Forward, or the student version? What was the reason given? That might help with other recommendations.

3lite
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Postby 3lite » Tue Sep 24, 2013 1:24 am

Midori wrote:Oh, wow. Did you app for the regular Citi Forward, or the student version? What was the reason given? That might help with other recommendations.


Student version.

"Here's what you should know
The application was processed by a credit scoring system
that assigned a numerical value to various items on your
application and your credit bureau report. The
information did not score a sufficient number of points for
approval."

They want me to call/write them to know the specific reasons.



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