Originally Posted by ruff
So what's a great recommened start up card for a college student?
i think citicard platinum select card for students is good, they have a good credit protector program so if you are late on a payment it wont report negative on your credit as long as you notify them and top of this they give u a generous credit line and they have excellent cutomer service. i have had experiences with amex, citi, chase, capone and wells fargo:citi,capone and amex people have always been the best customer service wise, wf is the absolute worse,chase is in the middle but i have had friends who have had horrible experiences with chase. I would say do not get a wells fargo card, they have possibly the worst customer service and are very bad about notifying you about card status. If you are going to get an amex i would recommend starting with the student blue card cuz the charge cards with no limits are dangerous even to long time credit card holders (think about nicole richies charge syndrome in the simple life, anyone can get charge disease when they carry those amex charge cards) cuz u can literally charge whatever they deem you can pay on the card, and if you never miss payments and charge alot, you can end up charging huge purchases on a charge card that must be paid-in-full monthly (i have heard of people chargings 120000 s-classes on their amex charge cards) if you screw up with an amex charge card and charge more than you can pay, they will have in their records that you were past due if you did not pay the entire balance from the statement that month, even if you paid a large amount of the purchases off (which i did, luckily i paid it off in time with some help from my awesome parents and still hold the card) they will teach you a lesson and you will not want to make a mistake with them again becasue it is a serious privilege to hold an amex charge card. Again, overall i recommend the citi or the capone as a starter, both excellent customer service programs, but i really think the citi credit protector is better and would recommend you get the card and credit protector as a student. After college its a whole diffnt ballgame, youll have lots of disposable income and probably be able to carry an amex or large credit lie cards with any creditor but for buildding excellent credit initially the citi or capone. I hope you get some good advice and have an excellent credit experience.