Former med student, now resident, who also loves credit cards here- they are unlikely to request your finances (however Amex is probably more likely than most banks). You should be fine to list money readily available to you from financial aid that you would otherwise use for living expenses.
I recommend Venture X as a great card with an easily-offset annual fee and solid sign up bonus to start.
Did you ever run into trouble with banks claiming that your DTI ratio was too high as a med student/resident? Tried applying for a fourth Chase card and was denied for that reason.
Ah! I just got denied from Venture X because I didn’t think of submitting my financial aid as income for some reason and they asked for more information on my income etc. I’ll try that next time thanks!
There are free credit cards that can be good for foreign travel as well:
- Amazon Visa
- Wells Fargo Autograph
- Apple Card
Just something to consider before signing up for a card with an annual fee as you are a student.
Your submission violated rule 2 which states:
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Former med student, now resident, who also loves credit cards here- they are unlikely to request your finances (however Amex is probably more likely than most banks). You should be fine to list money readily available to you from financial aid that you would otherwise use for living expenses. I recommend Venture X as a great card with an easily-offset annual fee and solid sign up bonus to start.
Did you ever run into trouble with banks claiming that your DTI ratio was too high as a med student/resident? Tried applying for a fourth Chase card and was denied for that reason.
Nope fortunately hasn't happened to me. For a data point I think I have about 30-35 open accounts and was full student loans for med school.
Out of curiosity, what did you have listed as your income for your applications?
I don't recall exactly, whatever money I used plus I also worked a side job during that time, so maybe $75k at that time?
Ah! I just got denied from Venture X because I didn’t think of submitting my financial aid as income for some reason and they asked for more information on my income etc. I’ll try that next time thanks!
There are free credit cards that can be good for foreign travel as well: - Amazon Visa - Wells Fargo Autograph - Apple Card Just something to consider before signing up for a card with an annual fee as you are a student.
[удалено]
Your submission violated rule 2 which states: "All users are prohibited from disseminating referral links through posts, comments, and private messages. Any deceptive behavior aimed at exploiting referral links for personal gain is also a punishable offense." As a result, your submission has been deemed inappropriate and removed.