Comments on: "Best Student Credit Card" is Application Hell

By: Andrew

Andrew — Tue, 02 Dec 2008 01:27:20 +0000

That sounds like way too much of a hassle, for a couple of stupid, seemingly customized perks, for a college student. Just get a card with a low interest rate, and spend wisely. Sorry, your credit score was pinged for no good reason.

By: PeterV

PeterV — Wed, 05 Nov 2008 02:43:00 +0000

I just get approved, and received a card with 4k credit line. When I received the above mail, I thought it’s impossible to meet their requirments. Then one month later, I picked up the phone and talked to a representative. I submitted a copy of my stundent card (with issue date in 2008 on the card), driver license, recent two semester tuition bills, FPL bill (under brother’s name but the same address), my credit card bill, my att mobile bill. Almost everything with my name and address at home and in the university. Then I faxed to Citi and got an instant approve. So it’s worth the try. Good luck.

By: PeterV

PeterV — Thu, 02 Oct 2008 15:49:38 +0000

Here is what they are still asking for:
A student ID with a current enrollment sticker (copy both sides) OR a paid tuition bill for the current semester or trimester

Telephone bill copy must be a residential phone bill, dated within the past 60 days, stating your name, mailing address and phone number* (Cellular phone bills are not acceptable) OR utility bill copy, must be dated within the past 60 days, stating your name and mailing address. Can be a water, cable, electric, sewer or gas bill.

*If the phone bill is not in your name, you must also include a copy of a mortgage, bank or credit card statement, dated within the past 60 days, that clearly states your name and mailing address.

By: PeterV

PeterV — Thu, 02 Oct 2008 15:37:55 +0000

Exactly the same terrible experience as yours. How I wish I have read this post before my application. So bad.

By: Ultimate Collection of Credit Card Posts (Ask Mr Credit Card’s Blog)

Ultimate Collection of Credit Card Posts (Ask Mr Credit Card’s Blog) — Wed, 30 Jul 2008 08:01:34 +0000

[...] Poorer Than You is a blog written by a student. I saw a few credit card posts that I really enjoyed reading. One of them is about his application hell when applying for a student credit card. [...]

By: Broke Grad Student

Broke Grad Student — Fri, 18 Jul 2008 07:17:26 +0000

This seems very weird. Just like Minh’s comment above, I got this card around the end of last year without running into any issues at all. I did make sure to use my university email address on the application, and I also already had other student credit cards. I’m not sure if those things play a factor or not though.

Broke Grad Student’s last blog post..Introducing the College Money Network

By: Amanda

Amanda — Mon, 07 Jul 2008 20:14:03 +0000

To Stephanie:
I just recieved the email informing me I was denied a few days ago. The email simply said “we cannot approve your application because we are unable to verify the college enrollment information you provided.” They did not tell me what they were unable to verify. I would have happily sent in any additional information, had they requested it. I had already sent them a paid tuition bill and a copy of my student ID with the current year’s sticker. They did not even bother to tell me what other information was needed. They just denied me. I even tried calling customer service, but I could not talk to anyone without an account number. I did not have an account number because my application for the card was denied.

By: Stephanie

Stephanie — Sun, 06 Jul 2008 07:54:06 +0000

@Amanda - How long ago did that happen to you? I’m trying to figure out whether it’s a policy they had for a certain time, or for a certain set of applicants.

By: Amanda

Amanda — Sun, 06 Jul 2008 05:13:55 +0000

Almost the exact same thing happened to me. I applied for the card. I waited almost four weeks then they called me and asked me to verify my social security number. I was not comfortable giving it out over the phone so I asked if they could read it off and I would confirm the information. They said they did not have my social in their system even though I put the information on the credit card application. They agreed to mail me the confirmation paperwork instead. I then had to wait another 3 weeks before the paperwork arrived. Later I had to mail confimation of my phone bill and a copy of my social security card. I waited another few weeks and then had to send in a copy of my student ID and a current paid tuition bill. Yet another few weeks after this I was informed I was denied because they could not confirm my enrollment as a current student even though I had sent them all the information they had requested to confirm this information. It was all a big headache.

By: Minh Nguyen

Minh Nguyen — Sun, 29 Jun 2008 06:31:47 +0000

This is very strange to hear (albeit hilarious to read). I applied for this card around Nov’07 on their website, and the card showed up in the mail a couple weeks later just like that. Actually, I had clicked a ’submit’ button twice by accident, and they sent me two cards, believe it or not. It sounds like you were one of the unlucky ones, unfortunately.