College Student Credit Cards: Responsibility is Key
During these trying economic times, college students across the country are seeking credit cards that offer low interest rates, no annual fees, and valuable rewards that can be earned and used within a short period of time. At a time when everyone's nerves are frayed because of uncertainty in the stock market, illiquidity in the credit market and the softening real estate market, one thing remains constant - the importance of building and maintaining a strong credit history. Student credit cards are tailored to help students with limited credit histories do just that. Visit www.goodstudentcreditcard.com for a list of some of the best credit cards for student applicants issued by Discover, Chase and Capital One.
Student applicants should understand that responsible credit card use can lead to a lifetime of low-interest rate loan opportunities. The operative word is "responsible" -- if you can't afford to buy it, you should consider saving up until you can. Stated bluntly, unless you have cash in your wallet to cover your credit card charges, you should do your best to exercise restraint. Credit cards are most beneficial to students who can afford to pay their balance in full every month. It is important to understand that credit card companies profit from compounding interest on unpaid credit card balances. If students use their credit cards and pay only the minimum balance every month, the probability is extremely high that they will quickly fall into the debt trap presently affecting so many Americans. It is a hole that is very hard to dig out of.
In these tough economic times, where credit is getting more difficult to come by, it is important to create a strong credit profile by establishing credit early and maintaining a consistent payment history. Student credit card applications can be completed online in a few short minutes. Just visit www.studentreditcardoffersonline.com to apply.
Which is the best credit card for a college student?
I am planning on getting a student credit card before i go to school in the fall and I cannon decide which would be the best for me. I have it narrowed down to 3 cards…
1. Citi mtvU Platinum Visa for College students
2. Citi Forward Student Card
3. Discover Student Card
Are student credit cards available to nontraditional college students?
What are the requirements to qualify for a student credit card? Are there age limits? Specific school requirements? ETC
Can college students with no credit get student credit cards?
I’m a freshman in college, but I don’t have credit. I was looking into the Discover Student Card for College Students, but I’m not sure if I need some type of credit first. Can I still get the card despite my lack of credit history?
I Totally denounce the anti-credit card for college kids. A checking account will not sufficiently boost credit. While budgeting is great, I recommend mint.com.
IF you are wise and use the card for only things like REAL needs, e.g. gas, food, etc., you can get a ticket on the capitalism bus early.
Some rules:
Low Rates, Rewards, NO ANNUAL FEE!
Pay IN FULL every month from your checking and/or savings account. The web makes it SO easy to manage money/pay bills.
Do not exceed 35-40% of available credit for more than one billing cycle preferably never.
If you can do that with one, then apply for three and NEVER EVER close them. That shows a lengthy credit history.
DO NOT fall for retail % discount gimmicks. EVERY time you aplly for a credit card, your FICO score goes down.
What is the best credit card for a college student?
Is a college student credit card any different than the ones my parents apply for? If so what’s the difference.
What is the best credit card company to get my credit card at? I will be sure to pay it off.
Actually no limits except that you must be a full-time student and be over 18 years old.
As for the credit score, students credit cards may be given to those who have no credit at all.
Try your luck to find the best for your needs.
credit cards? which college student credit card should i get?
I recently started college and want to start working on my credit. I recently own a debit card. I also have money so paying off the credit card wont be a problem for me. I am very responsible when it deals with money. I dont know if I should get either American Express, Discover, Visa, or Mastercard. I have to banks which are IBC and Wells Fargo. Please help!
ps. i am responsible!
with low apr, no annual fees, & etc…
Depends
The new law that went into effect last February makes it a bit tougher for those under 21 to get credit. You either have to prove income or have a parent cosign.
I have a Student Discover credit card, and I did not have to pay any interest for the first 6 months. I now have to pay a low interest rate, and if you pay on time, you will get a large cash back bonus.
Check to see if your school has a credit union on campus or a bank that caters specifically to students. The card will generally be more lenient in granting credit but will also have lower credit limits. They understand that you are starting out and will work with you.
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Which is the best credit card for a college student?
I am planning on getting a student credit card before i go to school in the fall and I cannon decide which would be the best for me. I have it narrowed down to 3 cards…
1. Citi mtvU Platinum Visa for College students
2. Citi Forward Student Card
3. Discover Student Card
Please help me decide
Are student credit cards available to nontraditional college students?
What are the requirements to qualify for a student credit card? Are there age limits? Specific school requirements? ETC
Can college students with no credit get student credit cards?
I’m a freshman in college, but I don’t have credit. I was looking into the Discover Student Card for College Students, but I’m not sure if I need some type of credit first. Can I still get the card despite my lack of credit history?
I Totally denounce the anti-credit card for college kids. A checking account will not sufficiently boost credit. While budgeting is great, I recommend mint.com.
IF you are wise and use the card for only things like REAL needs, e.g. gas, food, etc., you can get a ticket on the capitalism bus early.
Some rules:
Low Rates, Rewards, NO ANNUAL FEE!
Pay IN FULL every month from your checking and/or savings account. The web makes it SO easy to manage money/pay bills.
Do not exceed 35-40% of available credit for more than one billing cycle preferably never.
If you can do that with one, then apply for three and NEVER EVER close them. That shows a lengthy credit history.
DO NOT fall for retail % discount gimmicks. EVERY time you aplly for a credit card, your FICO score goes down.
What is the best credit card for a college student?
Is a college student credit card any different than the ones my parents apply for? If so what’s the difference.
What is the best credit card company to get my credit card at? I will be sure to pay it off.
Actually no limits except that you must be a full-time student and be over 18 years old.
As for the credit score, students credit cards may be given to those who have no credit at all.
Try your luck to find the best for your needs.
credit cards? which college student credit card should i get?
I recently started college and want to start working on my credit. I recently own a debit card. I also have money so paying off the credit card wont be a problem for me. I am very responsible when it deals with money. I dont know if I should get either American Express, Discover, Visa, or Mastercard. I have to banks which are IBC and Wells Fargo. Please help!
ps. i am responsible!
with low apr, no annual fees, & etc…
Depends
The new law that went into effect last February makes it a bit tougher for those under 21 to get credit. You either have to prove income or have a parent cosign.
Hi
I have a Student Discover credit card, and I did not have to pay any interest for the first 6 months. I now have to pay a low interest rate, and if you pay on time, you will get a large cash back bonus.
Check to see if your school has a credit union on campus or a bank that caters specifically to students. The card will generally be more lenient in granting credit but will also have lower credit limits. They understand that you are starting out and will work with you.