Pros and Cons of Secured Student Credit Cards

August 23rd, 2011 by admin

Many college, and even high school, students have a need for carrying a credit card. Often, however, these students are not yet financially responsible for themselves and still rely on their parents to help take care of their financial responsibilities. Therefore, secured student credit cards may be a great option for parents with children who are still in school. Nonetheless, the pros and cons of secured student credit cards need to weighed in order to determine if they are the right choice for you.

Pro: Secured Student Credit Cards Allow You to Monitor Spending

Secured credit cards are different from traditional credit cards in that you put funds on the credit card ahead of time. Therefore, the only money that is spent with the card is the money that is put on to it. In other words, a line of credit is not extended. Therefore, you don’t have to worry about your child creating a humongous debt that you have to pay for.

In addition to preventing your child from going into debt, a secured student credit card also allows you to set your child up with an allowance. You can determine how much money you want to give your child to spend each month and you deposit the money onto the card. Depositing money onto these cards is easy. You can set it up so that a portion of your check is deposited onto the credit card each payday. Or, you can send money to the credit card company or deposit the money at select locations. This makes it much easier to get money to your child quickly if needed.

Con: Secured Student Credit Cards have a Number of Associated Fees

Although secured student credit cards allow you to monitor your child’s spending habits, there are a number of fees associated with these guards. Generally, there is a fee to set the account up in the first place. Often, there are also annual fees and even monthly fees. In addition, each time you deposit money onto the card, you are usually assessed a small fee. All of these fees add up and can make the student credit card quite costly. Of course, these costs are still less then paying late fees or paying a large debt incurred with a line of credit.

Pro: Secured Student Credit Cards Provide Freedom and Flexibility

One of the best pros of credit cards for college students or high school students is that they allow your child to have the freedom and flexibility that is part of being a credit card holder. These cards do not look any different from traditional credit cards and are accepted at all of the same places. Therefore, your child can use the secured student credit card to purchases necessary items without having to ask you for it or making you have to go out and buy the item.

This is particularly helpful for college students when it comes to purchasing books and other school supplies, as the college may be located pretty far away from home. This makes it highly impractical for you to come to the school to make purchases for your child. Similarly, sending checks can take too long and can make your college student late in purchasing items he or she needs for school.

Pro: Secured Student Credit Cards Teach your Child Financial Responsibility

One of the best perks of a secured student credit card is that it starts your child down the road of financial responsibility. When you deposit money onto the card, your child has to learn how to responsibly use the money provided. In addition, most secured student credit cards report to credit bureaus, and the report will be in your child’s name. This helps to build a credit history for your child, which will make it easier for him or her to acquire loans or other credit cards in the future. Before applying for a card, however, make sure it does report to these bureaus in order to receive this added benefit.

For more information on student credit cards, Kim Stevens recommends that you visit CreditCardAssist.com.

How easy are student credit cards to get? Do u have to have a job?

Answer
First off, dont listen to anybody that says “dont get a credit card” In todays society it is crucial to have one so you can have a good FICO. And how will you buy a home without a line of credit?

Back to your question, my first credit card was with Credit One
www.creditonebank.com (Im pretty sure thats the URL)
I was just graduating high school and I didnt even have a job. They gave me a card with a $200 credit line. When you’ve never had established credit its harder than hell to apply. Try Credit One. I hope it works for you

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Bank of America Student Credit Card

June 10th, 2011 by admin

As a college or university student, you are often living away from your parents for the first time. You want to show your parents that they don’t have to worry about you. Many students are too proud to ask their parents for help. So what does a student do when they need to order something online? What about when renting a movie? A student needs a credit card to be independent from their parents.

One of the most popular student credit cards is the Bank of America Student Visa Platinum Plus Credit Card. Unlike most other student credit cards, a student doesn’t need a cosigner to apply for this Bank of America student credit card. They won’t need to ask their parents to put their credit at risk. In some cases, their parent’s bad credit could even prevent them from getting other student credit cards.

If you are going to college or university, you are planning your future. Part of that future may involve a house or car. To finance those things, the banks look at your credit history. The longer you have built your credit, the more the banks trust you. As a result, the banks will be willing to lend you more money with better interest rates. Even if you don’t use your credit card, getting a credit card at a young age can help you later in life.

The Bank of America Student Credit Card offers other conveniences such as:

Online Banking Service – easily access account activity, credit card balance and payment due date. Pay your credit card bill online for free too.

Total Security Protection – a free package of security features including: zero liability from unauthorized use, fraud monitoring, online protection and photo security. So you can even have your own photo on your credit card.

Purchase Replacement – provides repair or replacement for card purchases that are stolen or damaged within 90 days. Plus it doubles the warranty on card purchases with a US warranty of 1 year or less.

Travel and Emergency Assistance – offers various services including: medical referral assistance, legal referral assistance, pre-trip assistance, lost luggage assistance, emergency ticket replacement, prescription delivery, and emergency translation assistance.

Auto Rental Insurance – get car rental insurance automatically with your credit card. Without this card feature it could cost hundreds of dollars more to rent a vehicle.

You also get no annual fee, additional cards at no charge and cash advance checks at no charge. Few other student credit cards offer so much, especially with no annual fee. Although the Bank of America student credit card doesn’t offer a reward points system, it still is one of the best student credit cards available.

I am a student with NO credit. What credit cards will accept me?

i have no credit and I want to build good credit. I am 18, full time job and full time student. I have been applying for student credit cards with discovery and mastercard but they are all denying me. HOW DO YOU GET A CREDIT CARD WITH NO CREDIT?

Answer
Hi Krista,

Have you tried a student credit card? I did a quick google search, and found findcollegecards that has a decent sized list of cards that you can apply for. Try Citi Bank, or a bank like that to see if you get approved.

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Student Credit Card Offers Good or Bad

June 10th, 2011 by admin

Student credit card offers can be a wonderful way for college students to be introduced to the world of credit. With a student credit card they can buy things when they need to and learn how to manage debt successfully. But there are some good reasons to use student credit cards as well as some bad that are worth noting.

A student credit card is not for every student out there. Just like with other credit cards there are some people who should just never have one. For example, those that have trouble keeping themselves on a budget should probably avoid getting any kind of student credit cards. These cards can only lead to trouble in the wrong hands!

If on the other hand you are in college and you have proven to yourself that you are perfectly capable of managing debt and your finances then a college student credit card might be the best thing that has ever happened to you. With one of these student credit cards you will be able to buy food when you are in a pinch or pay to get your car repaired if something goes wrong with it. You know how fickle cars can be not to mention computers. Can you imagine how much trouble you would be in if your computer crashed? If you have a good student credit card you would not have to worry about it because you would have the money to get it fixed right away.

One of the best aspects of student credit cards and college student credit cards is the fact that they are very easy to get. All though in some cases this could be seen as a drawback. Many students are getting approved for these credit cards before they are responsible enough to be able to manage them wisely.

Even students who have no credit history or who have bad credit history have been able to get approved for college student credit cards. Other major credit cards would not even consider many of the candidates that student cards do which makes them perfect for those who want t use these cards to build or rebuild their credit history.

Did you know that you have to have a good credit history to buy a car or a home? If you have no history or poor history you could find yourself getting turned down for just about nay kind of loan out there and in this electronic age credit reports are being accessed for all kinds of other reasons as well. Many employers and landlords check to see what kind of credit rating you have before they give you the job or the place to live. They do this to see if you are a reliable person or not. That is why being able to get a student credit card is so important. You can use student credit cards as powerful tools when it comes to building up a credit report to be proud of.

If you get your student credit card and you then make all of your monthly payments on time every month then you will be in the perfect position to get approved for any other kind of important loan that you need in the future as well as other more beneficial credit cards. So start looking into college student credit cards today and see what a difference they can make in your life.

For more on student credit card offers, Robert Alan recommends that you visit CreditCardAssist.com

no credit approval on student cards?

i was told by someone that if you get a student credit card from chase bank theres no credit approval, kind of wondering if this is true or not?

Answer
No, that is not true, and the poster above me is also incorrect. There is no cash down on a student credit card……… Also, a student credit card is based upon credit score and income factors and debt to income ratio. There is more leniency due to the fact that it is a student card, but if you have terrible credit you probably wont get approved.

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Student Credit Cards 101 Building Your Credit

June 10th, 2011 by admin

If you are student who has just learned how to drive a car or is headed off to college, most of you may not have been given access to your parents’ credit cards. But college student credit cards may provide a solution for young people in need of credit anyway because building good credit with student credit cards may be more beneficial in the long run than borrowing your parent’s credit card. Believe it or not, getting a new student credit card in your name is relatively easy – even if you have minimal income, no co-signer and no credit history. To get your own student credit card, just follow these simple guidelines.

Get A Job

If you don’t already, consider part-time work around campus on in your neighborhood. It can be for only a few hours a week on campus. If you’re going to have your own student credit card, you’ll need to make payments on a monthly basis. Having your own checking and savings account at a local bank or credit union is also a good idea. Most banks have special student accounts that require a very little deposit to open. Establishing a history at the bank and accumulating some savings, will give you more opportunities for credit in the future.

Surf the Net

As a college student, you probably have been bombarded with offers for student credit cards. Maybe you’ve opened your mail to find a fake credit card inside with your name on it. Or, you’ve seen those annoying credit card applications that always fall out of your new textbooks. You may have also seen credit card representatives with booths set up on your campus giving away free t-shirts and hats to those who complete an application. Don’t take the first offer you get, shop around for the best value. The Internet is one of the best places to comparison shop for credit cards.

Read the Fine Print

Beware! Not all student credit cards are alike. Some may have really cool designs that you can pick, such as college logos, sports teams or graphics that act as an extension of your personality. But as the saying goes, ‘don’t judge a book by its cover.’ Although all college student credit cards provide you with cash in the form of plastic, they can vary greatly by a number of factors: credit line offered, annual percentage rates (APR), annual fees, late fees, cash advance fees, over-limit fees and special perks. APRs can vary from 0% to 29%; annual fees $0 – $50; late and over-limit fees can be as much as $30/month, each. Before you sign on the dotted line, carefully read the terms and conditions of the student credit card, especially the fine print. Pick the card that offers you the lowest APR and fees.

Use It (Wisely) Or Lose It

Many Americans, including college kids, are in debt over the heads. Before getting your student credit card, be sure to understand everything about credit. Credit cards make it easy, and tempting, to go on a spending spree. But spend more on your college student credit cards than you make you’ll quickly find yourself drowning in debt. High interest rates, late fees and over-the-limit fees can cause your monthly balance to get way out of control. If you can’t pay your bills, your credit history will be destroyed. Bad credit can keep you from getting student loans, buying a car, purchasing a home… even getting your dream job.

Once you have a job, a bank account, savings and an understanding of what credit is all about, you are ready for your first student credit card! If you’ve done your homework, then you can be confident that you will select the college student credit cards that will help you to establish your credit. Spend wisely and reap the benefits of a good credit history.

For more on student credit cards, Robert Alan recommends that you visit CreditCardAssist.com

Student credit cards?

Other than the discover student card, which credit cards will approve me since I have no/limited credit history and am a student? I applied for citi mtvu and got denied.

Answer
There are lot of banks in US that give away credit card to students. Now a days students can get credit card very easily by just filling up an online form. Also there are financial instituations that can give a student credit card.
More details on

www.creditcard4u.org

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Student Credit Card Mistakes

June 7th, 2011 by admin

Students are prone to get caught in credit card debt. Let’s take a closer look at the following mistakes that students make with their student credit cards.

Signing up for the first student credit card offer

As you enter college, you might receive a lot of credit card offers from different credit card issuers. If you’re not going to think about it carefully, you might just sign up for the first offer that you think sounds good enough for a credit card. It’s easy to get one enticed by a credit card offer. Most credit card companies make a lot of exciting promotions that may be hard to resist. However, if you’ll read the complete terms and conditions, you might be surprised to see that there are certain charges that are higher than expected.

To Sign or Not to Sign

To avoid signing up for the wrong credit card offer, don’t just read the best features of the credit card. Take the time to read the terms and conditions which can be found in the credit card’s website. This way, you’ll get to know about all the rates and charges that come with your credit card. Check out websites that give credit card reviews on different credit cards for students. These websites compile all possible student credit cards in the market, along with their main features in just one page. This will help you see what choices you have and compare them.

In addition, since this is your first time applying for a credit card, it will be better if you seek advice from your family or relatives who may know more about credit cards than you do. Better, you may seek assistance from a financial consultant who can give you an objective and informed opinion about the best student credit card.

Using up all your credit limit

Students are usually given a huge credit limit. But this does not mean that you can spend credit limit to the fullest. Bear in mind that you should keep your balances below 50% of your credit limit. Using up your entire credit limit on expenses has a negative impact on your credit report. Also, you’ll more likely have a hard time paying off your balances in time if you get in the habit of spending your credit limit to the maximum. This brings us to the next biggest mistake that students commit.

Not paying on time

The biggest mistake you can do on your student credit card is not paying your balances on time or skipping on your payments. Credit card companies can increase the rate of your APR, charge you with penalty fees and even take back your rewards and privileges. Worse, you might not be able to keep up with your credit. Incurred monthly balances are the most common cause why students get swamped with credit card debt.

Remember that owning a student credit card is your first step in establishing your credit history. You want to make a good credit report for yourself especially because an excellent credit status will be an enormous help for you when you finish college and enter the corporate world. So take your responsibilities on your student credit card seriously and avoid committing these mistakes.

Divine Linkletter is a credit analyst and a writer for Buildingcreditforstudents.com. She specializes in providing optimal solutions and advices to financial crisis especially to student credit and student credit card mistakes.
Copyright 2007
Building Credit for Students

How often do college students get approved for student credit cards?

Answer
As long as you prove that you can make some income, or you have a co-signer, it’s fairly simple. I looked at findcollegecards online, and they had stated that Citi Bank has the best approval rates when it comes to students in college.

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The Basics of Student Credit Cards

June 4th, 2011 by admin

Credit card companies consider students that are loyal and good customers, as they tend to upgrade the credit cards when the need arises to do so and the students are supposed to keep the credit cards for a longer period. Hence student credit card offers are found in every nook and corner of the college campus, social gatherings, through their emails and even in the book stores. These facts make the availability of credit cards to students within easy reach. Also the fact is that the students do not have a steady source of income making them go for a credit card. This is to the benefit of the credit card companies as they get more income on late payment dues and penalties, interest for the credit card balance which is not paid, annual fees etc All the above facts make the students the best customers for the credit card issuing companies.

For the students, it is of utmost necessity to own at least one credit card, as it is very much needed during the college days. The students need to spend for renting a car, buy books, for medical expenses, for entertaining his friends and for himself. Also the student starts to manage his own financial matters. Student-life owning a credit card prepares him into a seasoned adult as he learns to take control of his life and it makes it easy to create a credit history at the early stages. Credit scoring is done based on the happening to the accounts whether it is a late payment, or bill paying history, or number and type of accounts he is holding, the outstanding amount of debt etc. Once the student achieves a good credit score it makes him eligible for a house or car loan, insurance coverage and may even fetch a reputed financial job and so on.

It is very easy to obtain a student credit card but care needs to be taken in choosing the best credit card, it can be achieved by taking advice from fellow students who have already got a credit card and it is advised to go for a credit card with no annual fee and the option to customize the amount to be spent using it.

Students need to be careful in monitoring the amount charged by the credit card issuer at the end of every month and also the interest charged on it. It is advised to clear of the debt balance as soon as possible to avoid the levy of interest on the debt, if not fully at least the minimum possible. As a student, he should take extra caution not to provide information regarding his credit card to anyone through phone or by email as it might lead to malpractices. Since the credit history is involved, the student credit cards need to be handled in a wise manner.

It brings in the discipline of paying the bills on time, either in full or part by part in order to get a good credit history and score points.

N. Sai is an expert in finance. He regularly contributes to web guides http://www.cashguru.info and http://www.debteraserzone.com

Hi I was wondering how I can apply for a credit card or what companies offer student credit cards?

I’m a freshman in college going to be a sophomore and I think I might need some other source of emergency money can someone help me understand this and how I could apply for one, Much appreciated

Answer
Go to your hometown bank. MANY of them have student credit card programs. The limit will be low, but if you take care of business and dont miss payments, they will increase you limit AND give you a good mark on your credit score.

Start slow and take baby steps. Do NOT put your parents names on the account, and you’ll get the full benefit from it….

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How to Choose the Best Student Credit Card

June 1st, 2011 by admin

Choosing the best student credit card certainly doesn’t have to be a complicated process. Sure, there are a few things every applicant should keep in mind, but most of the credit card offers made available to college students these days are pretty decent. So how do you choose the best student credit card?

It’s not all About Free T-Shirts!

If you take one thing away from reading this article, please make it this piece of advice – don’t choose a student credit card solely on fact that they’re giving away a free t-shirt or other trinket to those that sign up. That’s a really major “gotcha” right there. The key to choosing the best student credit card is actually comparing several good deals side by side in order to make the most educated decision on what is best for you and your finances. Signing up for any old card because of a silly freebee just won’t do.

Investigate the Interest Rate.

Hopefully, you’ll be able to pay off the balance in full every month on your new student credit card. If this is the case, you’ll never need to even worry about the interest rate. But in the real world, the notion of never carrying a balance is sort of unrealistic. Average student cards frequently come with high APR’s in the 20 percent plus range – that’s a real ouch factor. If you expect to carry a balance from time to time, know the best student credit cards will beat that interest rate substantially.

Rewards are a Great Bonus.

As long as you’re swiping that credit card, you might as well get some payback for it, right? Well that’s exactly what you can expect with the best student credit cards – those that offer rewards programs. Look for rewards that best suit your own needs. Common credit card rewards give you a percentage of each and every purchase back in the form of cash, airline miles, gas rebates, or other desirable merchandise. Those rewards really add up fast for typical students who purchase college books and pay for other school related expenses with their student rewards credit card.

Avoid the Annual Fee.

Charging annual fees is a fairly common practice for credit cards geared towards students. If you’re getting good rewards and a decent interest rate, there’s not much shame in paying a minimal annual fee (such as $20 per year). But do read the fine print first and avoid cards that charge excessive annual fees just to be a cardholder. You can do better. Credit card companies are always looking to attract lifelong customers from the student demographic group. The very best student credit cards appreciate this fact and will have no annual fee at all.

So rest assured, you’ll find the perfect card to fit all of your needs in little or no time at all. Just do the research and card comparisons and you’ll be well on your way to choosing the best student credit card possible!

Compare the best student credit card applications at CollegeStudentCreditCards.net Also earn free flights with the best air miles credit cards or get free gas with the best gas reward credit cards.

How can I get a student credit card even if I don’t have a job? is it possible?

I’m going to be a fresman in college and I want to get a student credit card for emergency things. i’m not going to go wacko with it, i’m really good with money. Anyway I was supposedly pre approved for this discover student credit card, but i got a letter in the mail which said i wasn’t. Anyway, are there any reliable credit cards out there that i can get even if i don’t or never had a job???

Answer
Yes, you can get student credit cards even if you don’t have a job. A couple of the best ones are the Citi mtvU card and the Citi Driver’s Edge for Students.

Since you’re disciplined with money, you should probably consider this strategy:
1. Get the best rewards card for your normal spending habits.
2. Funnel most/all of your normal spending through your card.
3. Pay your balance in full each month.

If you do that then you’ll:
1. Build your credit quickly.
2. Avoid interest.
3. Earn rewards!

The only question is: Which student rewards card will pay you the most for your normal spending pattern?

To determine that quickly, you can use this credit card rewards calculator for student credit cards:

http://www.creditcardtuneup.com/?card_type=College+Student

Note that the Citi mtvU and Citi Driver’s Edge for Students cards are good for pretty different spending profiles, so the calculator can help you out.

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The Facts and Myths of Student Credit Card Debt

May 29th, 2011 by admin

Think you know everything there is to know about student credit card debt? You might be surprised. This particular credit card topic is a hot one and the myths run wild. Let’s see how much you really know about the world of student credit card debt with these true or false statements…

True or False: Parents Are Responsible for Their Child’s Credit Card Debt

False! Mom and dad don’t have to foot the bill. If a student is over the age of 18 and it’s their own credit card they are using, mom and dad are out of the picture entirely. Mom and dad don’t have to pay a penny towards the debt. On the other hand, if mom or dad co-sign for the card, it’s an entirely different story. Then they have to foot the bill or put their own credit rating at risk.

True or False: The Average Student Credit Card Debt is Minimal

False! Undergraduates have an average outstanding credit card debt of more than $2,000. That’s not counting student loans or other debts. Considering most college students work part time (if they work at all) that’s quite a hefty figure.

True or False: Student Credit Cards Have Higher Interest Rates

True. Student credit cards do have higher interest rates than those intended for people with good credit. It’s not uncommon for students to pay an interest rate of 16 or 17 percent, whereas consumers with good credit can often find fixed rates of 10 percent or less.

True or False: Student Credit Card Debt Accumulates From ‘Frivolous’ Charges

False! Forget the stereotype about students charging up their cards with kegs and pizza. The average student charges things like groceries, gas and other necessary living expenses. If a student can’t manage a job and educational demands at the same time, they tend to use credit rather than income to pay for their living expenses.

True or False: There Are More Students Without Credit Cards Than There Are With Them

False! If you think the number of students with credit cards outnumbers the number of students without them, you’re sorely mistaken. The majority of college attendees are getting themselves into student credit card debt as we speak. Just how many are there? It’s estimated that more than 75 percent of undergrads currently hold at least one student credit card.

So there you have it – the truth, the whole truth and nothing but the truth. Student credit cards are in abundance, available at every turn. The key is in educating students about the truths of student credit card debt, and how to avoid the pitfalls.

For more tips on student credit cards, saving money and avoiding getting taken, check out CreditCardTipsEtc.com, a website that specializes in providing credit card tips, advice and resources.

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?

Answer
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.

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Get Student Credit Cards for Extra College Expenses

May 26th, 2011 by admin

There have been lately offers for students that feature specially designed credit card packaged for college students. These credit cards offer a combination of financing, flexibility, security and control so student can feel comfortable about managing their finances and at the same time obtaining the benefits that credit cards provide.

With student credit cards you will be able to afford extra college expenses that are not directly related to the studies but have incidence on college life, like purchasing groceries, paying for college material (books, electronic equipment, etc.) and many other expenses that can not be faced with regular student loans due to the fact that they do not fall on the college expenses category.

Student Credit Cards Explained

Student credit cards are specially designed for students. There are secured credit cards which can provide some control over the expenses and prevent debt accumulation because the credit card holder needs to make a deposit into an associated account and only then he can use the credit card up to the deposit’s limit. The deposit works just like a guarantee of repayment.

Unsecured credit cards are also available however and provide different benefits for students. Credit limits may be lower than regular credit cards, but they provide promotional interest rates and other advantages like agreements with certain stores where most students purchase goods and services.

Financing And Flexibility

These credit cards are specially made to meet student needs that due to the type of expenses that college implies need financing and flexibility. There are certain months where book and studying material purchases will raise expenses, others where entertainment and vacations raise expenses and other months where expenses are reduced and remain on a normal level. Without financing there would be a lot of discipline and saving capacity needed to cope with this situation.

Instead, student credit cards will provide you with the ability to purchase anything you need and distribute payments along the year in an even way so as to avoid compromising your income too much. These cards also allow parents to exercise some control and review over their children financial and credit behavior.

Security And Control

Both for students and their parents, credit cards provide a fantastic tool to control the expenses so as to analyze credit and financial problems that college life may imply. Also they provide security in case of accidents or unexpected expenses as they provide financing when cash is not available. Thus, student credit cards are a must for college life and if used correctly they will not imply costs to the student or his parents.

Nevertheless, when applying for a student credit card, you should not go for the first offer you receive as there are many financial institutions competing in the credit card market and offering different credit card products with varied benefits. Just do a quick search on the net for different credit cards and compare what the credit card issuers have to offer you. Only apply once you have decided which offer best suits your needs because by doing so you will make sure to get the most out of your student credit card.

Devora Witts is a certified loan consultant with several years of experience in the credit area who instructs people regarding credit recovery and approval for personal loans, home loans, consolidation loans, car loans, student loans, unsecured loans and many other types of loans. If you want to understand Bad Credit Personal Loans and Student Debt Consolidation thoroughly you can visit her site http://www.badcreditloanservices.com. If the link doesn’t work, just copy and paste www.badcreditloanservices.com in your browser’s address bar.

Which credit cards can an international student apply for in the U.S.?

It seems that building up credit is extremely important in the U.S., but as an international student this is very difficult. I am looking for a credit-building credit card, but nearly all student credit cards that I have come across require the applicant to be a U.S. resident, which I am not. I do, however, have a social security number.

Answer
check these links, then decide what you want to do, see the FAQ on the first link down but really there’s plenty of advice throughout if you have time to read:

http://credit-cards.ebookorama.com

http://finance.ebookorama.com

http://credit.ebookorama.com

http://credit-repair.ebookorama.com

good luck!
if it helps please remember me cheers

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Deciding on the Right Student Credit Card for Your Safety

May 23rd, 2011 by admin

It’s a challenge for most college students to live away from their parents. Aside from getting their freedom from nagging parents and having their own time to spare, they have other things to worry about as well.

They are worried about money. So how can they solve this problem that will haunt them for four long years? Simple: with the help of student credit cards.
No one would have thought that in this generation, student get to own their own credit cards. Way back in the 50s’, only people who have work and can afford to pay for bills monthly are the only ones allowed to carry credit cards around. Now, even college kids and high school teens can avail one.

What makes student credit cards appealing by the way? Most adults warn students about the ill effects of the credit card and what harm it can do for your finances. However, it’s not entirely wrong for students to get one. As long as he takes full responsibility on having one, there’s no problem with it.

You bet that owning such a card will make you feel at ease, right? Well you’re certainly right. A student credit card can help you in a lot of ways, especially on your finances. Not only that, but it also establishes your credit history. Big companies do not have the time to deal with people who have no credit standing. If you want to get a job, get a loan for your car or house, or simply want to apply for a major credit card, they ask you’re your credit history. If you can’t supply it, that’s your loss. Therefore, a student credit card will aid you in the long run.

There are possible tons of student credit cards that you can choose from. You may try to visit different bank companies if you simply have the time, and inquire on their offered student credit cards. Know the terms of agreement and its services. Be sure that the card will also benefit you through their reward programs and bonuses.

Since everything can be found on the Internet, you can browse for a few credit cards that are offered with the best deals and benefits. You may also try to compare credit cards from different bank companies. Once you have chosen the right card for you, simply apply on it online. It’s fast, easy, and reliable.

Whatever you decide on a credit card, be sure that you are making the most out of it.

See: Student Credit Cards

I am a student with NO credit. What credit cards will accept me?

i have no credit and I want to build good credit. I am 18, full time job and full time student. I have been applying for student credit cards with discovery and mastercard but they are all denying me. HOW DO YOU GET A CREDIT CARD WITH NO CREDIT?

Answer
Hi Krista,

Have you tried a student credit card? I did a quick google search, and found findcollegecards that has a decent sized list of cards that you can apply for. Try Citi Bank, or a bank like that to see if you get approved.

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