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Old Feb 14, 2011 | 1:06 pm
  #7  
S.Marsh
 
Join Date: Feb 2011
Location: CLT
Programs: UA
Posts: 132
Originally Posted by ZER0C0NTR0L1278
Greetings all I am new to the whole mileage collection game and I am currently a student. I'm looking for a good credit card that I will be able to get to start racking up some miles. Anyone in the same boat or can someone point me to some good cards to help me get on my way?
Hey, I'm a 22 year-old student also, so I know where you're coming from.

I guess the first answer we need to know is whether you have any kind of credit-history. If not, then it's advisable that you allow at least a year (or even longer) to establish one before applying for major airline cards with lucrative sign-up bonus.

Before applying, do a lot of research. Applying with a bank that has a connection to the exact miles/airline card(s) that you want in the future may sway the decision-making process to your favor if you've built an impressionable history with them.

However, if you do have a good credit-history I don't see why you can't take a shot with at least one card. It would probably ding your score a bit, but if you're financially independent and mature (and it shows on-paper) then there is a chance that you could be accepted. Just play the game wisely and don't let it play you.

My story--I have a 765 FICO score (that probably doesn't mean much in the real world), a 2.8 year credit-history, a 0-5% revolving balance (I always pay balances in full), a $5,500 total credit-line, less than $9K in total income, and somehow I was approved for the 50K Continental deal. I've seen people with 6-figure salaries and stellar credit-scores initially denied, so you never know what may happen.
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