Recommend A Second Credit Card For A Student

[molala]

Right now all I have is a student Visa from CIBC with a credit limit of $1000, but I wouldn't mind getting a card with some rewards that I can use. Air Miles keeps sending me applications for their American Express card and I was thinking of filling it out. Anyone here have it and is it recommended?

A few people I know have a PC Financial Mastercard and I think the rewards on it could be practical for me. Is this card easy to get though? Please feel free to recommend me others cards, but do keep in mind that I am a university student who only makes around $30 000 a year so I want to stay away from annual fees.

Thanks

CIBC is very tight in terms to student account. My friend has one and she is NOT a student anymore, she wants to change to the regular one so she gets greater debit limit, but they won't let her change it unless she prove to them that she is not a student anymore. WTF??

Even with $30,000 income wouldn't get you American Express, and all of them requires monthly fee except for the business ones, or you make a lot of money and they voluntarily give you a no fee platinum one.

I have an RBC Starbucks card and I get awesome reward from it. I don't really shop at Loblaw's (i think they are expensive!) noe No Frills (i don't have one nearby), so I don't know much how good the reward is. But for whichever one you get, stay OUT OF MBNA. They are the most annoying people ever. My brother got one when he was a student, and they called EVERY OTHER DAY (and i am NOT exaggerating!) to nag him to buy extra insurance craps. My brother moved to another country after he graduated, they still calls EVERY OTHER DAY to look for him. I told them N times to make a note in the computer saying that my brother left the country, but they don't listen. All I could do is to avoid picking up the phone during the evening. My other friend had an MBNA card before and when she denied she wants insurance, the rep yelled at her and questioned her why she won't want it. Now I told my brother to cancelled the card, but I overpayed them $100, instead of giving me back the money, they send me the god damn statement every month.

[molala]

Right now all I have is a student Visa from CIBC with a credit limit of $1000, but I wouldn't mind getting a card with some rewards that I can use. Air Miles keeps sending me applications for their American Express card and I was thinking of filling it out. Anyone here have it and is it recommended?

A few people I know have a PC Financial Mastercard and I think the rewards on it could be practical for me. Is this card easy to get though? Please feel free to recommend me others cards, but do keep in mind that I am a university student who only makes around $30 000 a year so I want to stay away from annual fees.

Thanks

CIBC is very tight in terms to student account. My friend has one and she is NOT a student anymore, she wants to change to the regular one so she gets greater debit limit, but they won't let her change it unless she prove to them that she is not a student anymore. WTF??

Even with $30,000 income wouldn't get you American Express, and all of them requires monthly fee except for the business ones, or you make a lot of money and they voluntarily give you a no fee platinum one.

I have an RBC Starbucks card and I get awesome reward from it. I don't really shop at Loblaw's (i think they are expensive!) noe No Frills (i don't have one nearby), so I don't know much how good the reward is. But for whichever one you get, stay OUT OF MBNA. They are the most annoying people ever. My brother got one when he was a student, and they called EVERY OTHER DAY (and i am NOT exaggerating!) to nag him to buy extra insurance craps. My brother moved to another country after he graduated, they still calls EVERY OTHER DAY to look for him. I told them N times to make a note in the computer saying that my brother left the country, but they don't listen. All I could do is to avoid picking up the phone during the evening. My other friend had an MBNA card before and when she denied she wants insurance, the rep yelled at her and questioned her why she won't want it. Now I told my brother to cancelled the card, but I overpayed them $100, instead of giving me back the money, they send me the god damn statement every month.

[molala]

I am on the Classic card (same type, but no rewards and no fee) with a $2,000 limit. I need to spend a lot more the next couple of months (I have the cash to pay for it), but I called RBC and they wouldn't raise my limit, saying $2,000 is the max they give out on student cards. How'd you get it?

PS. I have never paid a bill late, have had the card for over 2 years, and the average monthly balance has been $1000. Why doesn't RBC like me?

When I was a student, RBC only gives maximum of $1,500 limit. If you want greater limit, go for another type of card, honestly, the interest rate isn't much of a deal. After finished school, I earn about $40,000-$45,000 for the last 5 years, pay my bills in full every month, all they give me is $6,000. I think getting $5,000 for a student credit card he either corrupted the manager or his misread a digit.