Watch Out For Overspending – Learn How To Keep That Student Credit Card Under Control!
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With rights come responsibilities. And this rule applies to college student credit cards as well. These small pieces of plastic look innocent enough but come with their share of pitfalls. College days are colored with long hours of studying and longer hours partying with friends and classmates. And, if you are not careful, college days will also be marred with credit card bills that carry the threat of thousands of dollars of debilitating debt that will stay with you for some time to come!
This bleak picture should by no means prevent college students from using credit cards; it should only help students to avoid misusing them. If you know how to keep the key rules in mind and keep them in control while planning your purchases, you can master the art of handling credit cards and be able to use them effectively and to your best possible advantage.
College Credit Cards: The Painless Plan
Watch Out For Overspending – Learn How To Keep That Student Credit Card Under Control!
- Plan a budget: Firstly, figure out your weekly and monthly expenses. These are usually food, books, and transportation expenses. College student credit cards, like traditional cards, provide monthly billing statements that should help in determining your overall budget.
- Stick to the budget carefully: Plan to use your credit card to meet just these key expenses. Remember that the trouble usually starts when you do not meet your monthly payments. This problem can be easily avoided if you plan your credit card expenses well in advance. This means preventing debt from building up and paying your credit card bills on time.
- Use your credit card only for major expenses. College student credit cards should usually not be used for everyday expenses but reserved for the big buys or emergencies only. Use them for long-term purchases such as furniture and books.
- Don't splurge: If you don't have money in your wallet to meet miscellaneous expenses, then don't buy them at all! Buying beer for your friends, purchasing CDs on the Net and buying soda can all add up, even if they seem inexpensive at the time of purchase.
Watch Out For Overspending – Learn How To Keep That Student Credit Card Under Control!
- Don't let your parents help you: Be responsible and mature enough to control excessive expenses without calling up Mom and Dad to help bail you out. If you are old enough to use a credit card, then you should be wise enough to use them responsibly.
College Student Credit Cards: What is In It for You?
If you think you can handle it, it is time to take a closer look at why you should make the effort to learn how to handle a credit card:
- A credit card can help you make purchases online or over the telephone.
- Credit cards are critical during emergencies.
- They can also help you finance your larger expense items.
- You can build your credit rating with responsible use, which will be helpful later while making business investments, buying your first house, and even when getting your first job.
Get a Head Start
So college student credit cards could be the perfect way to secure your financial future.
Please do keep in mind that even in the student market, companies offer differing rates of interest and interest-free periods. So shop for your credit card wisely. Think of this as great practice for the future, when you might be juggling more than one card, student loans, and maybe even a mortgage on your house.
Once you have decided on a specific college credit card, it is important to understand how it works and the benefits you can reap from it. Keep a close watch on your bills, and figure out ways of paying the monthly bills. Watch out for better offers as well, because you don't want to be stuck paying higher interest rates then you need to.
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Why can i get a student credit card?
I don’t understand why Puerto Rico being a part of the united states does not appear as a sate or territory option for my online application. I go to the University of Puerto Rico, a state university. I fulfill all the other requirements, yet when im going to list my school in the application for Discover and Citi student credit cards, I am unable to finish the application do to the fact that PR does not appear as an option. Its not as if those companies do not exist here. People do have credit cards here, and we are American citizen.
Sorry it WHY CANT i get a student credit card***
I am a student in FL if i go to med school in PR will it be hard to transfer credits back to the states?
my grades arent so great so my only shot at med school will be one over seas
After doing the IB would i do a graduate pr undergraduate degree in a school?
I am planning on going to an american university when i finish the IB programme.
Now… wtf is the difference between graduate and undergraduate degrees and which one will i have to apply to?
Also do IB students get any extra credit or financial aid in american universities? I am also an international student (i study in Malaysia)
please enlighten me i am very confused
thank you guys
please answer the question.
Can she obtain her student visa and emigrate to Canada?
My girlfriend is trying her best to emigrate to Canada. She hasn’t applied for PR coz she thinks it takes a lot of time, but instead has applied for an undergraduate course (although she already holds a first degree) at Concordia in Montreal. She has obtained her seat and many credit exemptions which can allow her to complete her degree in less than 2 years.
Now, the course will start in May 2007, and she hasn’t yet submitted her visa application and other forms, like CAQ, etc. My 1st question is: will she be able to obtain her visa in time for her course?
Also, I was wondering whether Canadian Immigration services will give her the student visa easily or they may have doubts about her intentions and turn her application down.
My girlfriend thinks that it will be easy to work in Montreal, and that after one year she can easily obtain her PR. Is that true? Her first degree is in IT. Will she have job offers in that field easily? I told her that life’s not easy for immigrants. True?
My girlfriend is from Mauritius. I know many people who have emigrated to Canada, and in Quebec esp., and they say life’s not easy and that immigrants – despite their qualifications – have to do petty work, and can’t earn that much. So I want to know all the difficulties that my gf might face in case she lands in Montreal. She thinks that Canada is a ‘paradise’ and that she’ll earn a lot of money there and won’t face any economic and social difficulties. I don’t understand why ppl from developing countries think that the grass is greener in the developed world and are not ready to stay in their country of origin. Is emigration really the solution? What are her prospects really in Montreal? Anyone who knows about Concordia, do you really think that this university can give so many credit exemptions? Do their foreign graduates obtain work fast in Montreal? For her living expenses etc, how much must she spend each month (accommod, food, clothes, etc.)? Will it be easy to work part-time?
Yes, my gf speaks both English and French. She’s already got a nice job here in Mauritius, and is only using her seat for studies at Concordia as a pretext for immigration and an eventual work permit.
I’ve tried to discourage her because I know that life’s not easy abroad. But the main reason is that although we’re together since the past 6 months, and at first we were not envisaging anything too serious, I’ve fell in love with her, and it will be v hard for me to bear the pain of not having her in my life anymore. She loves me as well, but is not attached to me the way I’m attached to her. That’s why she’s ready to move to Canada for her ‘career’ and for money. Me, I’m just wishing (a bit hopelessly) that she doesn’t get the papers, so that she might stay with me. That’s why I’ve asked the question.
It’s a bug in the programming of the Discover application webpage.
On the Discover online application, Puerto Rico is an option for your permanent address, so they are not intentionally trying to exclude Puerto Ricans.
If unable to apply on the website, then apply by telephone. The number is 1-866-329-5755 to apply for the Discover Student Credit Card.
The course starts in May 2007? As in just over a month? She’s not getting that visa before then. Does she speak French? Assuming she does, then she should be able to find employment in Montreal, but Quebec is the most xenophobic Canadian province, and she should be prepared for that. I don’t know about job offers, but if she applies for jobs she may be in luck. Canada is a nation of immigrants after all. You said you told her life isn’t easy for immigrants? Not very helpful there buddy. It’ll be much easier if she can speak the language. If she does, it won’t be that difficult really. Once she has her visa, finding a place to live and afterwards a job should’t be too hard at all! The only real pain in the butt will be the paperwork processing. Good luck to her.
BSN student in USA wants to move to Canada?
I hav 3 more semesters to go finish my BSN program.But to keep my PR status , I have to move to Canada at this time and have discontinue my program here.My question:
1)can I continue the BSN program in Canada?
2)whther my BSN credits already have taken from USA transferrable to any Nursing school in Cnada?
IB prepares students for undergrad studies, not graduate studies.
Undergraduate degrees are the first university degrees, taking four years. Graduate degrees (called post-graduate degrees in most other countries) follow undergraduate degrees.
IB students get “extra” credit for some IB courses — generally HL, but not SL. IB students do not get financial aid merely because of their IB diploma. International students are normally not eligible for financial aid.
Unless you have $30,000+ each year for tuition, it is normally useless to think about attending a USA university as an international student.
If your grades “aren’t so hot”, then your chances for being admitted to med school are slim. And your chances of completing med school if you WERE admitted are even slimmer. If you aren’t capable of handling the undergrad work load successfully, there’s simply no way you’ll be able to handle the work load of med school. And the work load of internship/residency is even worse.
But…. You would need to check on the reciprocity rules regarding a PR med school in terms of getting an internship or residency in the States. Find out whether they participate in the NIRMP “Match Day” and what you’d need to do to qualify as a student from that school.
1) You can continue a nursing program in Canada.
2) It varies from university to university what credits transfer and what classes you need to take. (Even if just transferring within schools in the US)
My recommendation:
Check into the schools you are considering in Canada. Get into contact with an adviser in the nursing program and they can help you work out the details!