Credit Card Application For College Student
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Online Applications | Good Student Credit Card Offers
Author: College Credit Builder
Credit card applications can be found at www.goodstudentcreditcard.com where good students can compare the best student credit card offers currently available. Diligent credit card use can lead to a lifetime of low-interest rate loan opportunities like auto loans, mortgages and other forms of consumer credit. Credit card issuers recognize that students tend to have limited credit histories and lower reportable incomes. Notwithstanding, good students enrolled in universities and colleges throughout the country are often given the opportunity to start building a credit record early. This is an opportunity that should be highly valued, particularly in light of the enduring credit crisis which has made it difficult for many people with good credit records to receive any form of credit. In fact, some existing credit limits have been decreased by issuers. Â
Student credit cards issued by Discover and Capital One are specifically designed for good students. Some of the features offered by these credit card issuers include:
â¢Â          No Annual Fee
Credit Card Application For College Student
â¢Â          0% Interest for a fixed period of time
â¢Â          Cashback Bonuses
â¢Â          [POST CONTENT] Fraud Liability Guarantee
Credit Card Application For College Student
During this climate of economic instability, illiquidity in the credit markets, in the stock market, uncertainty in the stock market and the softening real estate market, one thing remains constant â" good students should be given the opportunity to build a credit history. Responsibility, however, is vital.  It is important for students to keep in mind that if they donât have enough money to buy something now, you should consider saving up until you can. Credit cards are most advantageous to students when then balance is paid in full every month. They should be treated like cash in hand. In these difficult economic times, where credit is proving to be more difficult to come by, it is important to establish a strong credit profile by obtaining credit early and maintaining a consistent payment history. Student credit cards issued by Discover and Capital One are perfectly designed for student applicants.
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I wouldn’t sweat it yet. But do check the terms on the credit card for all those hidden surprises. I just got some offer for a card with a $70 application fee and a $70 annual fee with 20% interest rate. It’s a $30 fine if I’m late on a payment.
Please be careful getting into debt right now. College students are prime target for bait and switch interest rates. They get you in at 5% then bump you up over 27% if you are a day late on a payment. I fell down the rabbit hole and now I will never let myself get more credit I can afford.
The reason it takes so long is because they are marketing to college kids so they have some room full of temps(prob college kids) typing in the info from 100,000 applications. Once they type it in, you will be approved in about 30 seconds.
Why Citibank declined my credit card application??!?
I feel Citibank’s customer service is poor. I just applied a “Citi® Dividend Platinum Select® Visa® Card for College Students” credit card online, on Citibank’s official website. They sent me an letter weeks later that says my application was denied. I called the number they told me and the officer said it’s because of that i dont have a high enough credit history. How could i build credit history when i was just applying my first credit card? ? !
and the information they offered to me was very confusing. it doesnt say anything about the requirements you have to meet when i was applying for the credit card. i said i’d like to do this in person again the lady in the phone told me to go to branch banks.
when i went to citibank branch bank, i was told they don’t do anything with credit cards on branch banks. wth…
getting mad of them. will this hurt my credit in the future?
they say that my app. was scored and evaluated by a computer system. and i can get a free copy of my credit report if i respond within 60 days. but i do not know what should i write to them in the letter.
to thinkcreditcard: yah i almost fall asleep with their pls-wait-for-a-second music.
First of all, they should have revealed to you that you can contact the credit bureau/agencies they used in making their decision. Those places have to give you a copy of your credit report & you can see for yourself what is going on.
If you have never had any type of credit at all in the past, you might try putting $500 or $1000 in a savings account (and not touching it). Use it as collateral/security for a loan for the same amount. Make payments on that loan ON TIME. When you get it paid off, you have gained the responsibility of making payments, a decent credit history/score and you’ve gained an “emergency fund” in that savings account.
Just to un-complicate your life a little… you only need to be using one of your cards. You don’t have to charge something to each one every month. Keep a $0 balance on 3 of them.
Also, don’t get any more cards – 4 is plenty. Each time you get new credit, it dings your score a bit.
One of the problems with using credit cards a lot is you tend to spend more money when you swipe. It just doesn’t feel real. If you just use your card for groceries or gas each month, that will be enough. Continue to pay it off each month. Even after your 0% interest rate expires, you still won’t owe finance charges if you pay your balance off.
You get applications like candy because they cc companies see that you’re a good risk so far. Part of a good credit score is determined by having plenty of money available to borrow and not using it. In time, you’ll notice your credit limit start to creep up on the cards you have.
Credit Card Application Help?
Hi, Im trying to apply for a DISCOVER or AMERICAN EXPRESS credit card and im a student. On the application it makes you choose your school but I go to a junior college and its not there, I found that both discover and american express dont have junior colleges on their list. Does anyone know why this is? Do they not accept junior colleges valid for their student credit cards?
I’m a student in college and I get credit card applications like candy..?
I have about four now, but I’ve been very smart with them. I’ve had them for almost a year now, and I always make payments on time (I also try to charge everything to some credit card since I have no APR on them). Is it true that credit cards help a ton in establishing credit and will they raise my score a lot or am I wasting my time? I’m just curious. –Thanks
I always charge like $100 or so to them a week, and than pay that off the following week.. is it bad that i usually always have a balance, but im always paying that balance off fast? would it be better to keep a $0 balance more often? –thanks
Wow, swg4fnc, tell me again how you are a douchebag?If you had been smart enough to read my details, I pay them off immediately. Maybe having four isn’t smart, but I’m glad I’m not a prick like you.
student credit card application response?
im a college student, i dont have any credit history, i just applied a citi mtvu credit card which is designed for collge student, but when i submit the application, it says application received, and ask me to wait for 7 days for the decision, this is my first time applying credit card, is it normal?
They have marketing strategists and statistical analyzers and forecasters that dictate how they see you as being a potential risk.
That is why they are called risk based lenders.
Will I get into trouble for giving false information on a credit card application?
I’m a college student, and there are lots of guys around campus giving away free sandwiches if you fill out credit card applications. I’ve filled out a couple with totally false information because I really needed those sandwiches. Can I get into trouble for this? I DO NOT want a credit card, but I DO want sandwiches.