Help with credit cards

noct
Fri, 17 Aug 2007 04:42:53 +0000

k_jo already gave you a lot of really good advice so I don’t have too much to add…

Applying for a couple of cards really won’t hurt your credit score that much so don’t worry about it.

I posted details about the Citi MtvU card in the link that someone gave earlier. Rewards are through the Citi ThankYou Points Rewards Network which offers a wide variety of giftcards/travel options. It looks fairly decent. For that card specifically, you can also get cash back at the full point->dollar rate using the Tuition Rebate option for which I believe you can get a check. It’s a good Visa card but the rates are a little high… What do you expect for a student card?

I also like American Express Blue Cash (Rebate). It’s a good card, but it’s not for everyone for the reasons that you brought up and for the fact that you need to spend quite a bit per year for a college student to get good rewards.

I think your AU status still counts toward your credit score for two of the three credit reporting companies until Sept 1st, but I may be incorrect.