I am currently a first year university student. I got selected to go on a trip to NYC to visit investment banks and network. I only have a plaid navy suit. I've had it for a year, and I got it tailored. Would this be appropriate?
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I'm guessing people are responding specifically to "a trip to NYC to visit investment banks and network."
As a general rule, I try to understand the dress code of the person I'm meeting, and then target "one level above" for two reasons: 1) most people who've worked in more formal settings view this as a sign of respect 2) it's easy to take off a jacket/tie if it's clear you've over-shot on the formal side.
If you mis-read the setting and come in less formally dressed, your host may think less of you, and it's harder to adjust.