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| *Loan,banking and credit>>>citibank credit card |
Applied for Citibank mtvU credit card, they want documentation? |
Hi! Two questions. First, I applied for a Citibank mtvU credit card for college students, having never had a credit card before, and got an email a couple days later asking for a copy of my student ID, tuition bill paid, phone bill, and utility bill, and if the phone bill isn't in my name, then a bank statement in my name/address. The first two I can do, no problem, but the phone bill and utility bill I can't because I live on campus and don't own a phone. I could technically ask my mom for those, but I would rather avoid a fight if I ca. So one: Do you think I can just send in my bank statement with my name/address right (and the first two) or must I somehow do something about the phone and utility bill. Two: they said if they don't receive it within 30 days, the application will be considered withdrawn. If I just let it go, would having applied hurt my credit score (and would the withdrawn be seen as a rejection)? And if so, should I apply for a different one soon after? They are just looking for signs of financial responsibility since you are not currently employed. Closing the application will not effect your credit rating. Multiple checks on your credit rating will though, so don't apply to too many of them. If you are a full time student, one is probably all you can handle right now anyway. Send a copy of your ID, tuition bill - you can get a copy at the bursers office, and bank statement. Enclose a note stating you do not have a phone or utilities as you live on campus housing. I think that is all they need. Now you said you want to avoid a fight. Does your mom not want you to get a credit card? If so, then do not put a small credit card above your moms wishes, it is not worth it. If you are a responsible person, then you should have a discussion with your mom and see if she approves. But do not stick her with the bill or you will hear I told you so for the next 10 years. My opinion is that the expansion of credit to college students is a bad thing, so that being said if you don't need it, you can wait until your Junior of Senior year. |
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