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Sunday, 18 March 2012

Applying For Student Credit Cards

How to Apply for a Student Credit Card:

Compare Credit Cards

1. Compare interest rates offered among credit cards geared toward students. You should look at both the introductory rate and what the rate will rise to after this introductory period ends.

2. Make sure the low-interest student credit card you are applying for doesn't make up for lost revenue from interest by charging unreasonably high fees. Look at the credit card charges for late fees, annual fees and fees associated with charging over your credit limit. Some may even charge an additional fee just to apply.

3. Get fringe benefits from your student credit card if you can. Little extras, like cash back or other rewards are among the benefits many cards offer. Make sure that these benefits are not accompanied by higher rates or exorbitant fees.

4. Look for a credit card that allows for little or no credit history. Many companies might require an additional co-signer (such as your parent or guardian) for you to apply for the card.

5. Remember that your credit card should not be viewed as a source of income. Rather, your student credit card is a tool for establishing a good credit rating from the start by making regular payments and maintaining a low balance.

Complete Your Application

6. Complete your student credit card application online to expedite its review. Depending on the credit card company, you may be able to view the progress of your credit card application online as well.

7. Visit your bank's local branch to see if you qualify for a student credit card. You will need your account information when you apply.

8. Have the information you need to complete your application handy before you begin. This will include your social security number, address and other contact information. If a co-signer is helping you apply, you will also need their employment and income information.

Saturday, 17 March 2012

Student Credit Cards 0 Interest

Student Credit Cards Offer 0% Interest, Rewards

There's one group banks and credit card issuers are actually sucking up to these days: college students.

Card issuers have designed credit cards specifically for them, with better terms, no annual fees and longer zero-interest periods.

Why?

Because college students are seen as important customers to grab onto on their way up financially.

Also, students aren't perceived to be as financially risky. New credit card rules require students younger than 21 to provide proof of income, assets or a cosigner in order to get a credit card, and this lowers the chance of a default.

And that's good for both card issuers and college-age card users.

Find a number of credit card offers tailored to college students in our extensive database. Here are a few to consider:

Discover Student More Card and Discover Open Road Card for Students: These two cards offer a introductory APR of 0% for the first nine months -- currently the longest zero-interest period available to college students -- which is good for students to load up on books and supplies this fall without earning interest.

The regular purchase APR is a variable rate ranging between 13.99% and 20.99% (that's the prime rate of 3.25% plus 10.74% to 17.74%), depending on the student or cosigner's credit history.

Both offer cash-back rewards of 5% to 20% when shopping in Discover's online shopping mall of national retailers.

The More card has a 5% bonus for up to $300 in purchases in specific shopping categories that rotate quarterly (October through December, it's cash back for restaurant and clothing purchases) and up to 1% cash back for unlimited purchases in everything else, from textbooks to toothpaste.

The Open Road card has double cash-back bonuses (2%) at any gas station or restaurant, good for up to $250 in purchases each month.

Capital One Journey Student Rewards: Capital One targets this card for students who want to build up their credit with a good payment record.

Besides offering 1% cash back on all purchases, the card gives a 25% bonus on the cash students earn each month when they pay the bill on time.

So, for a student who charges $200 onto the card each month, he or she will receive $2 in cash back, plus a 50-cent bonus for paying on time. While it sounds small, it adds up to $30 extra over a year to spend.

Purchase APR on this credit card is a variable 19.8%, which is quite high.

Citi mtvU Platinum Select Visa: This card rewards students who not only pay on time but get good grades, too.

It offers five "ThankYou Points" for every dollar spent at restaurants, from fancy to fast food, as well as bookstores, music stores and movie theaters. Earn one point per dollar spent everywhere else.

Students who pay their bills on time and don't exceed their credit limits can earn up to 25 points per month, and those who maintain a GPA of 2.5 and over can earn between 250 and 2,000 points every semester.

The 100-point mark is when students can start redeeming for everything from travel and merchandise to gift cards and exclusive Citi deals. There's a 0% APR for the first seven months, then the variable APR goes from 13.99% to 21.99%.

No Credit Check Student Credit Cards

Once you are in higher education, each cent tends to count. If you've currently been by means of college and compensated your individual way, then you are able to definitely relate to this. Following tuition and textbooks are coated, you hope you might have enough money for room and board. You will find months in which the dollar has to become unfold quite skinny. Therefore the frequent macaroni and cheese meals that college student are regarded for. That is wherever university student credit cards arrive in helpful. While you might not have regarded it, there are numerous choices when it involves student credit cards for school pupils. These can actually assist you with obtaining by means of school.

If you've got never utilized to get a credit rating credit card, you should initially know that it's a very straightforward and handy procedure these days. Specifically once you look at the fact that it's all completed on the web. If you have a laptop and obtain for the World Extensive Internet, you are going to undoubtedly have no difficulties applying for school student credit cards. There is a website termed Guaranteed Credit score Card Approval. Furthermore, it would not take lengthy to fill out a simple application. You might will need to know your standard data, to ensure that the company can run a verify on you to see should you are worthy of a student credit cards. As a school kid, you're not doubtless to possess any dings on your credit history nevertheless.


The reason quite a few pupils enjoy school student credit cards may be the extra money they have obtain to when required. Have you ever been in a very circumstance wherever you didn't have ample income to cover 1 or two of one's month to month charges? Or, possibly you efficiently paid for all your charges for that month, but now lack the extra finances to buy groceries to the week. This is unquestionably in which a scholar credit rating credit card can arrive in handy. At Guaranteed Credit history Card Approval where they have several opinions, you'll be able to merely cost the bill and shell out it off later. As prolonged as you don't abuse this and waste cash on useless items or material goods, you are going to be okay inside the extended run. It truly is all about becoming smart.

As you might know, one among the major perks of university student credit cards will be the reduced curiosity prices they typically have. It doesn't matter if it can be a Find out, MasterCard, or Visa, college student credit cards usually have lower APRs so that students can deal with the month-to-month proportion costs. However, the obtainable credit rating amounts on credit history playing cards are normally lower for school college students. It's possible you'll need to come across added details on credit history credit cards for university pupils by browsing via web sites like CitiCards.com, Discovercard.com, and CapitalOne.com. This is often a good way to come across the appropriate college student credit cards to fulfill your requirements.

Student Credit Cards With Fair Credit

College students are often able to garner fair credit as a result of being authorized users on parents’ credit card accounts, using their own credit cards responsibly and/or making on-time payments toward personal loans. If you’ve managed to thusly build the beginnings of a solid credit history, one of the credit cards for college students with fair credit listed below might be right for you (you can get a sense of your credit standing with free credit estimator).

As a student, a credit card can be helpful in three respects: making everyday purchases effectively cheaper with rewards, offering an alternative financing option for big purchases, and, most importantly, allowing you to further improve your credit. If you are planning on paying your bills in full every month (highly recommended) compare student rewards credit cards and get the card with the best rewards for your biggest expenses (e.g. gas, groceries, food).

If you won’t be able to immediately pay off necessary expenses, then the credit cards for students with fair credit that have 0% APR introductory offers should be your focus. No matter which card you eventually select, make sure to use it responsibly and not miss any payments. By doing so, you can graduate from fair credit by the time you enter “the real world” and set your sights on credit cards for good credit and eventually excellent credit credit cards.

For more information visit www.cardhub.com

Student Credit Cards With Instant Approval

If you are looking for a student credit card that offers instant approval, you have come to the right place. This page features a list of guaranteed approval credit cards for students including prepaid credit cards and secured credit cards.

Both prepaid and secured student credit cards grant instant approval for people with no credit history and bad credit. So whether it will be your first time to apply for a credit card or you need a new a credit card to rebuild your personal credit, these credit cards are designed to fit your needs.

READYdebit® Platinum Visa® Prepaid Card

Works like a checking account – load money & use anywhere Visa is accepted – withdraw cash at ATMs, Online Bill Pay, shop at stores, internet, buy gas, etc.
  • Direct Deposit your paychecks for free!
  • Account is fully FDIC insured
  • Easy cash reloading at 50,000+ retail locations
  • Send checks to anyone with our easy online bill pay
  • Share money between two READYdebit cards instantly – it’s FREE!
  • No credit or ChexSystems™ checks
  • No overdraft fees
  • No bounced checks – Ever!

PREPAID VISA DIAMOND RUSHCARD
  • RushCard is available ONLY IN THE USA.
  • 100% guaranteed approval
  • Our money saving offers give consumers an alternative to “traditional” checking accounts and access to convenient money management, including: – Online Bill Pay – FREE Paycheck, Benefits check, Tax refund Direct Deposit – FREE Credit Builder – FREE Account Text Alerts – FREE Interactive Money Management Interface

Horizon Gold Credit Card

When you apply for your Horizon Gold account, you are guaranteed to receive the $500.00 Credit Card. Don’t wait, apply today!
  • Guaranteed Approval!
  • Bad Credit Accepted!
  • No Employment Check!
  • Reports to a Major Bureau!

Platinum Zero(R) Secured Visa(R) Credit Card from Applied Bank(R)

This offer is for genuine Secured Visa Platinum Credit Card with 0% APR on Purchases.
  • ZERO – 0% FIXED APR on Purchases – No Intro Rates!
  • ZERO – 0% Rate Won’t Change – Even If You’re Late!
  • ZERO Hassles – Choose Your Credit Limit From $500 Up To $5,000
  • ZERO Application Fees
  • ZERO Worries – FREE Personal ID Theft Protection
  • ZERO Delays – Timely CREDIT Bureau Reporting

Friday, 16 March 2012

Low APR Student Credit Cards

Whether you're looking for your first credit card, or you're looking for a second, third, or potentially fourth one to add to your arsenal, I wanted to show you how you can get the best lowest APR cards on the market, as well as why you shouldn't care about the APR.

You can avoid the APR!

By avoiding the APR, you can simply pay your bills off in full each month. By doing so, you're going to repay the full amount back to the credit card company. When you do this, you're technically taking out a 30 day loan, which works for you, since it will be interest free! Get into the habit of this and you can avoid the interest rates all the time, and take advantage of the rewards!

Whats the different between a fixed and variable rate?

After the Credit Card ACT came into place, many credit card companies switched their rates to a variable one. By doing this, they no longer have to give you a heads up on the rate change, since the variable rate is going to flow with the Index rates.

With a fixed rate, it's going to be the rate that they decide. Remember that this can change, but with the new ACT, you will find that they will have to give you notice before they do so, giving you the chance to opt out.

What kind of cards are out there?

What you're going to find out is that many of the student cards out there are going to be relatively the same. I'm looking at the top cards on the market today and many of them are just within a percentage point, or more. Instead of deciding on which one has the lowest APR, I would recommend that you look into a card that has the best rewards, as well as no fees.

You will want to think of this one for a second. Let's say that the card has a 9% APR, but has a $79 annual fee. Now, let's say that there is a card with a 16% APR, and no annual fee. Which one is going to be more beneficial for you? It's up to you to do the math and learn all of the fees.

Some of the brands that you're going to want to look into are Discover, Citi, as well as Capital One. All of them carry the line of student cards and have some of the lowest rate cards on the market.

See the current list of the best low APR student credit cards on the market at www.findcollegecards.com today. Compare, decide, and see what suits you.

Guaranteed Student Credit Cards

List of High-Limit Guaranteed Credit Cards for Students:

Discover Student Card

This card has a 0 percent interest rate for any purchases made in the first nine months. There is also a free fraud liability guarantee, which means if your card has unauthorized or fraudulent charges, you're not held responsible. If the card is used for travel, department store purchases, gas, groceries or restaurants, you receive a 5 percent cashback bonus. Shop at the exclusive Discover Online Shopping mall and the bonus goes up to 20 percent. All other purchases will yield a 1 percent bonus. After the first nine months, the interest level varies from 12.99 percent to 19.99 percent. No balance transfers are allowed on this card.

Capital One Journey Student Rewards Card

Watch out for the big average APR of 19 percent from the beginning with this card. Though balance transfers are allowed, the high interest rate would eliminate most motivation to do so. The card has no annual fee, which means it's easier to keep the balance under control. This student rewards card keeps cardholders informed of their spending via free texts and e-mail alerts. The card offers auto rental insurance, which covers the damage or collision of the qualified vehicle you're renting as long as you use the card to pay for your auto rental in full. Note that this insurance does not cover expensive vehicles such as Ferrari or Porsche, or antique vehicles that are more than 20 years old. If you pay for your travel tickets in full with this Visa Platinum card, you will be covered automatically up to $100,000 in the event of death or dismemberment.

Citi Platinum Select Mastercard

The Platinum Select Card, though only for those with good credit, offers no interest for 12 months on purchases and no interest on balance transfers for 18 months. After that, there is a low interest rate of 9.99 percent. There's no annual fee and the online account management is free. Manufacturers' warranties are extended an additional year on most items purchased with the card. Citi has a discount program for everything from travel to merchandise that comes free of charge. The limit will be $500, unless you have exceptional credit.

Citi Forward Card for Students

This card is designed to reward customers who use their credit wisely with redeemable points. Things like paying on time, staying below the credit limit, and applying for paperless statements will all help accumulate more points that can be used for rewards. The program offers five times the points for spending on music, books, movies, and restaurants. During the first seven months, there is no interest on purchases, and no interest for the first 12 months on balance transfers. Though the starting APR is 12.99 to 19.99 percent, there is up to a 2 percent interest-rate reduction for paying on time.

Instant Student Credit Cards

Are you a student struggling to make ends meet? If so, you'll be happy to hear there are many opportunities available to help you make your life a little easier while you're getting your education. Instant approval credit cards are there just waiting to give you the help you want and so deserve. Start researching and comparison shopping and you'll find the right instant approval credit cards with the right benefits and terms just waiting for you.

You'll find some excellent benefits on many of the offers you'll find available for students. Students need that extra help that all of us need from time to time. With their busy school schedule, there's no time for a full-time job as so many are scarce. The right kind of card can help make their life a little easier and more stress-free. In addition to giving credit for purchases, these offers can also provide students with easy access to cash. Benefits such as 0% Intro APR on purchases makes getting these instant approval credit cards a smart idea for students.

Going to school can get quite expensive and may consist of a need for many small school and miscellaneous purchases. Having their own card allows them to make the purchases they need. Most young students haven't had a chance to build up a good credit history, which is another reason why these offers for students are good ideas. They'll need a credit history later in life if they want to purchase a car or home. Cards for students often come with 0% APR on purchases for the first six months, which allows them to make the important purchases students need without having to pay interest during this introductory period.

Balance transfers are usually not part of the benefits offered for students although it may be offered. Cash back rewards are offered and allow the student the opportunity to get some of their money back. From 1% to 5% if often given on general merchandise while up to 20% cash back may be given for online purchases. Most of these cards give students the chance to earn an unlimited amount of cash rewards. Students are also given many advantages when they pay their balances each month when they become due. Why struggle without the many supplies you may need when you can easily get a card to help you along the way?

About the author:
Bill Glass, Editor-in-chief - www.dealsforcreditcards.com is the leading credit card marketplace, bringing consumers and card issuers together online. Compare hundreds of offers side-by-side, calculate balance transfer savings and apply online. Visit the site to compare instant approval credit cards today.

Student Credit Cards With Rewards

Student Credit Cards With Rewards

Student credit cards were not available for a long time since it was difficult for students to provide any credit history or employment history. But nowadays credit companies have started offering credit cards specifically to students recognizing that by offering cards to at a very tender age they will get a customer for lifetime. Companies have now started a new segment of cards called student credit cards or also known as college credit. These credit cards typically have a low credit limit usually between $500 to $1,000 and generally do come with a higher interest rate as well. There are many benefits attached to a card. But there are also certain things you should look out for when comparing cards.

What are the Benefits of a Student Card

It helps to establish credit. Student credit cards are great for helping you establish credit history. Many students have little or no credit history so it is all the more difficult for them to get approved for a loan or even an unsecured card. These cards have lower credit requirements, in the sense they are easier to acquire then a typical unsecured card. This allows a student who has little or no history to get a credit card easily. Once you have one, you will be able to build your credit history by paying your credit card bill regularly each month.

It helps to earn rewards. Many student credit cards now offer many rewards when you use them. Typically you can earn one point per dollar you spend with you student card for your purchases. You can redeem points for merchandise, gift cards, or cash back. Student credit cards typically offer extra rewards when making purchases at gas stations, groceries, clothing stores, or restaurants.

Helpful tips on choosing a card

You should always pick a student card that has no annual fee. An annual fee can be costly for someone who lives on a limited budget. Most cards don't have an annual fee but always check to make sure the card doesn't have one before applying for the same. You should look for a card that has the lowest interest rate. Many college students carry a credit card balance each month. If you think you may carry a balance you should look for a credit card that offers a low interest rate to avoid paying too much interest.

And finally you should make sure to manage your credit wisely. Numerous college students have accumulate a big quantity of credit debt by expenditure irresponsibly. This is very much harmful. Your first credit card is an important step in establishing your credit rating and developing good financial habits. So make sure to use it with care.

About the author:
Tom Tessin is an author for www.findcollegecards.com that is geared toward students looking for a student credit card.

Student Credit Cards With No Interest

It's important to start building a credit history at a fairly early age. Many companies have special credit cards, with special requirements, that are designed for college students and even for students as young as high school age. Because most students are new to the world of credit the interest rate on student cards is generally on the high side. However, if you are willing to play the game to its fullest, there is a way for you to get the credit card of your dreams and never pay a penny in interest.

Start by finding a site that has a large selection of student credit cards from which to choose. At the end of this article I recommend just such a site. As long as you don't have poor, but simply have little or no credit history, it is possible for you to get a card with an introductory 0% interest rate.

This introductory interest rate is good for 6 months or, occasionally, for a full 12 billing cycles. That means if you qualify for a card you will not be charged any interest for either 6 billing cycles or for 12 billing cycles. The catch is that you must pay your bill on time in order to qualify for the 0% interest rate. Miss a payment or make a late payment even one time and it's game over - you'll start paying a very high rate of interest - in many cases 23% or more.

Treat Your Credit Card Like a Business

So how do you avoid paying interest forever? Keep accurate records of when your billing cycle is and a week or two before the final interest-free payment is due transfer your balance to a different card which has a 0% introductory rate for 6 or 12 billing cycles. Continue doing that each time the introductory offer expires and you will never pay interest on any of your purchases.

The only other thing you need to watch for are any transfer fees. A few cards charge a fee to make a balance transfer, but the majority are too interested in getting your business to scare you off with a transfer fee.

Obviously this system requires two things of you. One is that you keep accurate records and are prepared to close out one account and open a new account whenever necessary. The second thing you need - and this is vital - is to find a site that allows you to compare cards and to see the fees and introductory free interest periods.

By treating your credit cards as a business and making ruthless business decisions when it comes time to switch cards, you can, conceivably, charge to your heart's content for years and years without ever paying a penny in interest.

Thursday, 15 March 2012

Student Credit Cards No Annual Fee

Student Credit Cards With No Fees

Many times students apply for a credit card and without thinking end up paying a high annual fee. No annual fee is very important to all college students. Keep in mind that the annual fee and interest rates can become outrageous. You find that by paying high interest rates along with a high annual fee that most of your credit limit is used. You need to make sure that does not happen to you. Always check out your contract before you sign it. You need to make sure that the credit card company is offering you 0% APR on purchases and balance of transfers for at least six months. You should also try to get your credit card with no co-signer involved. Whenever a co-signer is required then you are not getting credit for your payments but your co-signer is the one who gets credit from the reporting credit bureaus.

Your first credit card and your pay history are very important to you. This report goes to the credit bureau which puts out your score for any more credit that you might want to apply. You may find that you are in the need of a car for instance. When you go to apply for credit your history of paying back the credit card will determine the type of debtor that you are and this is important in order to get more credit. When you do get your credit card it is important that your annual fee and interest is not so high that it makes it impossible for you to ever get out of debt with the company.

Find your next student credit card today at www.findcollegecards.com where you can also find more of Tom's work.

Student Credit Cards Compare

If you attend a college or university, you have likely seen representatives from credit card companies loitering in the communal spaces of your campus. Their goal is to get college students to apply for their company's credit card. If you do decide to get a student credit card, you should pick the most suitable one for your needs. Read on to learn how to pick a student credit card.

How to Compare Credit Cards for Students - Instructions:

1. Find the card with the longest promotional APR period. Most cards will offer zero percent interest for six months. Keep your charges reasonable during this time and pay off the balance before the end of the promotion.

2. Look at the rates following the introductory APR. Most student credit cards have very high rates after the promotional period has ended. Compare offers and look for the lowest APR available before you apply.

3. Ignore the free gift. The promotional item should not be part of your decision to apply for a credit card. Most of the time, the gifts are junk that you can buy in the dollar store.

4. Build up your credit by getting a student card issued from a national bank. Cards from established banks will improve your credit more so than a card from a smaller bank.

5. Pick a student credit card with a rewards program. A rewards program gives you either cash back or credit towards select merchandise.

Tips:
  • If you don't think you will be able to get a credit card on your own, you can ask a parent or guardian to be your co-signer.
  • Avoid student credit cards with an annual fee. There are too many offers out there that don't subject you to this charge.

Great Student Credit Cards

Great Students Credit Cards:

Citi mtvU: This is a great card to have! I know a lot of people who have student credit cards and they usually have this one to start out with. It's great because there is no annual fee, you get points for every dollar you spend, you can check all your billing online very easily, and there are many rewards you can get just for using it! The more you use it, the more gift cards, cash back and prizes you get! Also, it has a pretty good interest rate to start out. This is important because if you don't pay your bills on time, you will be paying quite a bit if it's too high.

Citi Forward: Citi Forward is another great card! There is no co-signer required so you don't have to worry about bothering your parents, there is an APR reduction when you use your credit card wisely, and you can also get thank you points for using it! Not to mention, there is no annual fee for having it!

As you can see, there are some great cards to choose from. There are several on the market, but I would have to say I like these and a few others the most. They have the best rewards, are the best for first time users, and they have some of the lowest interest rates!

visit www.findcollegecards.com that is geared toward students looking for Credit Cards for College Students.

Credit Cards For 17 Year Olds - Student Credit Cards For 17 Year Olds

How to Get a Credit Card at 17 Years Old

Establishing credit at an early age helps you build a positive credit profile that will help you qualify for future loans, credit cards and housing. The longer your credit history is, the higher you can expect your credit score to climb--making getting a credit card at 17 a wise choice for financially responsible individuals. Although its possible to apply and be approved for a credit card as a minor, you'll need a steady job or permission from your parents to do so.

1. Call several secured credit card companies and student credit card companies and inquire about the qualifications you need to meet in order to obtain approval for a credit card. While some secured and student credit cards often don't require you to pass a credit check, some do. Choose the credit card company that offers you the best interest rate and doesn't require you to demonstrate a previous credit history.

2. Visit the credit card company's website and read the credit card's terms and conditions. The Credit Card Accountability, Responsibility and Disclosure (CARD) Act requires all credit card companies to post the terms of their contracts online. Make sure that you understand and agree to the company's terms before filling out an application.

3. Download and print out a credit card application from the website. If online applications aren't available, call the company and request an application through the mail.

4. Ask your parents to co-sign the credit card application or include proof of your income. According to the Federal Reserve Board, the CARD Act requires all individuals under 21 who apply for a credit card to provide either proof of a steady income or have a parent or guardian co-sign for the card.

5. Send in the application. The time frame between the time you mail off the application and when you receive your new credit card may vary depending on the credit card company you chose.

Note:
  • Keeping your credit card balance low and making timely payments each month is crucial to building a positive credit rating.
  • Not all secured credit card companies report consumer accounts to the credit bureaus. If a company does not report your account to the credit bureaus, it won't show up on your credit report and cannot help you build a positive credit history.
  • Don't attempt to open numerous credit card accounts. Having too many credit cards can damage your credit score.

Student Reward Credit Cards

As a college student, did you know that you can actually get a card with rewards? Well, you can! Most students believe that you can only get a credit card that gives you nothing. As many credit companies are trying to lure students in, they are offering more perks like cash back, points or even prizes for good spending habits!

A common question that is brought up often is "what can I get for my points?" Well, the first thing we need to look at is what credit card company you're going to apply with. Some will give you points back while others will give you cash back as a credit on your statement. Once again, this all depends who you go through.

If you're applying for a card that gives you points back, you're going to find that it takes about 2,500 points to get a gift card at the minimum. Now, if it takes $1 to get a point, you're going to need to spend $2,500. I know it sounds like a lot but it really isn't and I'll explain why. Most cards will give you bonuses for purchases. Let's say a card gives you six times the points every time you fill up for gas or three time the points every time you buy groceries. You can probably see how this adds up now.

When you apply for a card, look at how your points work. Try and take advantage of the point system so that you can get the most out of it. As long as you do your homework, you should find a great card that works for you and your wallet.

Find student credit cards and more at www.findcollegecards.com.

Wednesday, 14 March 2012

Easy Approval Student Credit Cards

A student's first credit card can be a great builder of confidence, buying power and responsibility. Many credit card company are well aware of this and offer a variety of cards catering specifically to the needs of students. Many have offer reward incentives tied to the goods and services that younger buyers typically purchase. They also often feature logos and styles that reflect contemporary trends. When can also apply for a one online and provide information that will result in an instant confirmation or denial.

Citi MTV Platinium Select Visa Card for College Students

The Citi MTV Platinum Select Visa Card for College Students ties in an instant credit decision with the cable television network MTV. It is only offered to college students and includes a point system that accumulate with every purchase. When users reach a certain level of points, they receive discounts on travel, music, electronics and tickets to MTV sponsored events like the MTV Movie Awards or MTV Music Awards. Bonus points are awarded for maintaining a good Grade Point Average starting at 250 points for a GPA of 2.5-2.99 all the way up to 2,000 points for a 4.0GPA. You can also earn points by making purchases at restaurants, movie theaters, bookstores and video rental outlets, or by paying your bill on time without going over your credit limit. The card has no annual fees and an APR of 0 percent for the first seven months which rises to 12.99-19.99 percent based on your credit score.

Discover Student More Card

The Discover Student More Card features over 100 custom designs to choose from and an instant credit decision when you apply online. Rather than a points system. the card works on a straight cash-back program which pays 5 percent on purchase categories which change month to month according to a program calendar. Some months will reward travel and dining, others home and fashion or gas and recreation, etc. All other purchases will receive a 1 percent cash back rate. Cardholders can get a bit more out of their cash back rewards if they are used in the online Discover store where gift cards and merchandise can be purchased at a 5-20 percent discount. The card has no annual fees and a 9 month 0 percent APR which rises to 12.99-19.99 percent based on your credit score.

Citi Forward Card

The Citi Forward Card is a student card with instant approval online and a series of rewards features with the aim of creating good credit habits. The card works on a points system which is based on normal purchases like dining, bookstores, movies and music at a rate of 5 points per dollar spent. There are also several landmark rewards such as a 6,500 point boost for making $250 in purchases within the first three months, 2,500 points for opting into paperless statements, and 100 points for paying your bill on time each month without going over your limit. The card has no annual fees and a 0 percent APR for the first 12 months followed by 12.99-20.99 percent based on credit rating.

Citi Dividend Platinum Select Visa Card for College Students

The Citi Dividend Platinum Select Visa Card for College Students is an instant approval card which is one of Citi's most popular. The card offers cash back rewards of 5 percent for the first 6 months on purchases at supermarkets, gas stations, drugstores and utilities, before falling to 1 percent permanently. 2 percent cash back is given for purchases in alternating categories which change month to month and 1 percent is given for all other purchases. Cash back can be taken as cash or used toward purchases in an online store where further rewards are given. The card has annual fees and a 0 percent APR for 7 months followed by 12.99-20.99 percent based on credit score.

References:

Low Rate Student Credit Cards

You might have to ask yourself why you are not utilizing the low interest credit cards. Who will not wish to pay lower interest charge? What is puzzling to lots of consumers is precisely how they will get low interest cards. Do your study, you may find that learning will be your best asset while hunting low interest rate card. At times it is not possible to get low interest card. Example, consumers who never had any cards before generally will not meet the criteria. However, even though you don't currently qualify for the low card, that doesn't mean you will never get one. If you have a troubled monetary past and bad credit score, it will most likely take some years prior for you improve the credit score enough so that you can qualify for the low interest cards.

The low interest rate cards with striking introductory rates & cards with the low fixed rates will save money while it comes to the interest cost. All of main credit card companies offer the low interest cards. Often, few of these companies send mailings to home or they will market them on TV. While commercials and mailings give you with great way to study more about available choices, you must as well research few other cards with other avenues.

The low interest rate is offered to the people with outstanding credit ratings. The low interest credit cards will also give you substantial savings while it comes to the interest cost. Of course, best means to save interest is paying balance of the credit card at end of every billing cycle. In this particular way, you will get to borrow money for short time without any need to pay interest. Also 0% introductory rate lots of low cards gives you great means to save on the interest cost, but keep in mind you will have to pay off balance completely when introductory period is been over to get optimum savings on the interest cost. If this is not the possibility for you, make sure to choose low interest cards, which remain low after its introductory period is completed.

The low interest rate cards are ones, which are always marketed in media, on Internet, on the credit card web sites, in journals, and there are lots of banks & companies that are presenting low interest cards; few companies present attractive rates of 5 to 9%. What all these companies don't tell to customers is that just small proportion of those who are applying for a card will in fact be approved. You can be approved for a card if you are applying, but it will be at substantially high interest rate until you are the one of privileged few who are having high rating & high income. There are lots of reasons why all of these low interest cards work very well, however there are a few things that you need to look out when choosing low rate card.

About the author:
Tom Tessin is an author for www.findcollegecards.com that is geared toward students looking for a low interest student credit card.

International Student Credit Cards

Credit Card Advice for International Students

1. Don’t get a credit card

This is probably the most important thing that I can tell you about credit cards for international students. As a student you probably will have no need for a credit card. Get a check card instead. A check card works similar to a credit card, but when you use a check card, you are actually using money from your bank account, thus spending money that you have. When you use a credit card, you are spending money that you do not have. You will have to pay the balance on your credit card by the end of the month or else pay an interest on the balance. It is also easy to spend more while using a credit card because it is just so tempting to swipe that card and buy on impulse. Believe me, I know…ahem…moving on

2. Get a card with a low interest rate

If you are still reading this, I guess you’ve made up your mind. So if you must get a credit card, the first thing to look at is the interest rate. Get a credit card with a low interest rate. Most credit cards for college students come with high interest rates, since college students do not have established lines of credit. So an annual percentage rate (APR) under 12% is considered good for international college students. A 12% APR means that you would be paying interest at 12% per year. Anything above 16% is too high.

3. Free is always good (or at least in this case)

Sign up for a credit card that has no fees associated with it. Some credit card companies will charge you an annual fee, account set up fee, monthly fee, maintenance fee and every other kind of fee that they can think of. My advice is to stay away from these kinds of credit cards. There are plenty of credit card companies that offer cards with absolutely no charges other than the interest on the balance. These are the credit cards that you should consider.

4. Pay your balance on time

Try to pay off your credit card balance every month. Even if you cannot pay the entire balance, make sure that you make minimum payment and do it on time. Almost all credit cards will charge you a $29 or more fee every time that you are late with a payment. Make your payments late two or more times and your interest rate will go through the roof. This will also be detrimental to your credit score. Therefore, it is extremely important that you make your payments on time, every time.

5. Do not exceed your limit, take cash advances or write credit card checks

Your credit card comes with a spending limit. Do not exceed this limit. Credit card companies charge a fee every time you exceed this limit. And did I mention that it is bad for your credit score.

Credit cards will allow you to withdraw money just like you would do with your checking account at the bank. But you will pay dearly if you decide to withdraw money from your credit card account. These kinds of loans have a much higher interest rate than using your credit card to buy something.

Sometimes, your credit card company will send you checks that you can write against your credit card account. Do not use these checks as they also have a higher interest rate than just using your credit card normally.

That is all the advice that I can give you about using credit cards in the United States as an international student. Again, the best thing to do would be to stay away from credit cards and use your bank check card instead. But if you do decide to get a credit card, use it wisely and spend only as much as you can afford to pay back.

More information read more at www.scholarshipforusa.com

Do you have a story or advice about credit cards that you would like to share with our readers? What is your opinion about the easy access of credit to college students in the United States? Please add your comments below.

Student Loan Credit Cards

Just about every college student out there is going to have a student loan. If this sounds like your situation, you may find that you're going to need some extra cash in order to pay for books, food, or something else college related. If you do decide to go the college card route, you're going to have to make sure that you're using it for things you need, and you will also want to make sure that you're using it for things that you're going to be able to pay back.

Student credit cards can't be treated like a joke. You're going to want to budget yourself, as well as know what you can afford each and every month. You don't want to fall into the trap of getting into debt at such an early age.

When you're strapped for cash and your student loans aren't cutting it, or you find that you don't need one, I wanted to recommend a few cards that you should look into...

Discover Cards - Discover has a great line of cards. They have their student card, as well as a gas one that can save you on gasoline fill ups. I would recommend that you get rewards on top of what you're already buying. Pay it off in full and you can really take advantage!

Secured Cards - Secured cards are really meant for those with bad credit, but what you're going to find out is that if you're having a hard time getting any other card, you may want to go this route.

A secured card works when you give the bank a deposit. Let's say that you need to give them $300 to start up your card. The bank is going to place this deposit into an account. If you start to miss a monthly payment, they can simply dip into the account, and they will always know that they can get the money that the need, making it a win-win for both. You're going to get your credit, while the bank will feel safe with your account.

Now, student loans over history are going to better for you in terms of interest rates. If you don't want to go through the approval process, I can understand. Keep in mind that when you do apply for a student card, your credit limit isn't going to be high. As long as you're smart with your cards and everything else, you should be okay!

Find the best student loans credit cards on the market today at www.findcollegecards.com. They can help you pay for loans, books, and more.
They are all designed for college students only!

Unsecured Student Credit Cards

Many Community College students today usually live on their own providing their own source of income and are considered reliable enough to have an unsecured credit card. Community College students are inclined to have their own apartments, jobs, and perhaps have even started their family. Since the economy of today has caused many job losses older people who have been in the work field are returning to Community College as well. The influx of new students at different age brackets to Community Colleges has also started the need for these students to have unsecured credit cards.

Since the Community College students work and have their own life style they are entitled to apply for and get a credit card. The unsecured card can help them while they are in college and the amount they are approved for when they borrow is likely to be increase by the time they graduate. Also these students are normally good credit risks for the lending institutions and that is why they like to help each student get an unsecured credit card even if the borrowing limit is relatively small.

This type of card is a good way for the Community College student to build a good credit score. The student does need to make sure that the APR% is not too high, there is not a large yearly membership fee and that the monthly late fees will not be exuberant. Just like all credit cards you are entitled to perks like cash back, frequently flyer miles or perhaps your unsecured credit card gives you reward points that you can use at a later time. No matter what perks you select you need to make sure that your cost for using your unsecured credit card does not outweigh your perks. Many lending institutions offer these perks as a way to get new customers for their company; however, they come with a cost that you should be made aware of before you accept your unsecured credit card.

About the author:
Tom Tessin is an author for www.findcollegecards.com that is geared toward students looking for student credit cards

Tuesday, 13 March 2012

Graduate Student Credit Cards

Which Credit Card is Best for Graduate Students ?

Finding a credit card as a graduate student doesn’t have to be hard. Since only 2 percent of undergraduates have no credit card usage, according to a Sallie Mae study, most graduate-level students already have a credit card. The question is, how is your credit? And, are you still in school?

Credit Cards While in School

If you are still in school and need to boost your credit score, numerous student credit cards are available to help you to do just that. Student credit cards like the Journey student Rewards Card from Capital One are effective because you don’t have to have good credit to get them. This card has an APR of 19.8 percent, no annual fee and offers one percent cash back on purchases, plus a 25 percent bonus if you pay your bill on time.

The Discover Student Card is another good example. For graduates, this credit card offers zero percent APR for the first nine months continued to 13.99 percent to 20.99 percent depending on your credit score. You earn five percent cash back on the purchases you make at gas stations and restaurants. There’s no annual fee either.

Improving Credit Graduate Credit Cards

If, as a graduate student, the credit cards in your wallet are not offering the best APR’s for you, consider investing in a new offer. If you’ve worked to improve your credit score, it may be time to look for new offers. The following may fit your needs, but at this point, you’ll need to choose what’s best for your specific needs.
  • The Citi Dividend Platinum Select Card for College Students offers a zero percent APR for seven months, an APR of 13.99 percent to 21.99 percent and five percent cash back on eligible purchases. No cosigner is required for this card. You’ll need good credit.
  • If you plan to do a lot of traveling to and from school, the Capital One VentureOne Rewards Card is the route to take. You’ll earn 1.25 miles per dollar you spend on every purchase you make, plus 10,000 bonus miles. There is a zero percent APR introductory offer with a regular APR ranging from 11.9 percent to 19.9 percent. There are no foreign transaction fees either.
  • If you are like many other graduate students, you have a lot of credit card debt. If you’ve improved your credit score at this point, consider balance transfer offers. The Citi Platinum Select Visa offers a zero percent APR for 21 months including balance transfers. The regular APR is 11.99 percent up to 21.99 percent. There’s no annual fee.
Graduate student credit cards need to play to your needs. According to Nellie Mae, the Sallie Mae student loan agency, graduate students carry more than $12,000 worth of credit card debt. Keep this in mind as you go through your last years of school. Wise financial management can help you to avoid leaving school with thousands of dollars worth of debt. The right credit cards can help.

Secured Student Credit Cards

Secured Credit Cards For College Students

Many times parents want their child to have a credit card when they go off to college but they are not sure what the best type to select is. The "Secured Credit Card" is one of the best cards that you can get for your student when they are going off to college because you have better control over the amount of money that can be spent. You cannot increase the spending amount unless you deposit more money into the students account.

A secured card requires that you open up a savings account with the lender who in turn holds that account as a security deposit against the card. Most secured accounts are normally around $300 to $500. You can of course make the amount as high as $5,000 this depends on how much you plan on putting into the students account for expenditures. The card is secured because of this deposit but it is still credit and must be paid according to the agreement.

This is a great way for the student to build their credit score so that they can apply for an unsecured credit later without worrying about a co-signer. It is best when you do have a credit card to make sure that you make your payments without being late. It is most beneficial for any student with a secured credit card to pay off the amount they use each month before the bill comes due. This enhances their credit record giving them a higher credit score which in the long run gives you a better shot at a loan with a lower interest rate.

Find college student credit cards that can help rebuild or start your credit history all at www.findcollegecards.com.

Student Credit Cards No Credit Check

In America today, everyone wants to have things now. They don't want to wait that extra three or four days to get something in their hand when they can have it now. The same goes with a credit card. So many people want things now and when it comes to a decision on a credit card, many want to apply online and see if they are approved or not right after they hit that submit button.

Do instant approval student credit cards with no credit check exist?

Technically, after looking at all of the cards on the market and researching all of them, they're generally aren't any but some cards will give you a faster response than other companies. The reason that there aren't any instant approval cards is because of the college process and I'll explain why.

When you apply for a student card, the credit card company will have to research the college you're going to. They don't want to issue cards to those not going to a college. This usually means you'll have to send in some sort of evidence such as a transcript or a report card. Normally, with regular cards, you won't have to deal with this process since you're not dealing with strict cards like student based cards.

The best bet in the long run is to apply for those cards that you want and just go through the process. It's going to take a week or so but it doesn't really make a difference if you get approved today or not because you're not going to get that credit card in the mail for another few weeks. As you get older and you can apply for a regular card, you'll be able to find instant approval cards but in the meantime, be patient and you'll be fine.

About the author:
Tom Tessin is an author for FINDcollegecards.com that is geared toward students looking for student credit cards

Easy To Get Student Credit Cards


Student credit cards are the best way for a young person to establish credit in his or her name. You can apply for student cards as soon as you are 18 years old as long as you are a full time student. In some cases, students can have their parents co-sign for their student credit cards so that they can establish credit in their own name with a parent co-signer.

Most student cards are for very low balances or are pre-paid cards. Pre-paid student credit cards are the best option for a student to establish credit. They have a balance that has already been put forth and are basically secured cards. They are easy for any student to get and can help them establish credit in their own name.

Another way that students can establish credit is by using gas cards. Gas cards are cards that are used just for gas stations. They are generally easy to get and a good way to establish credit. Once the gas cards have been paid off regularly and are not overdue, the student will have found that he or she has credit in their name. It is easy as long as they pay off the balance each month.

Teach students how the game is played and how they can win. The one way that anyone can win the credit card game is to pay for only what you can afford using credit cards. Credit cards are a convenient way to make purchases and can also offer you buyer protection. If you purchase something online, for example, you are protected. If you do not use one and make a purchase online, may be out the money if the item is defective or you are not satisfied with the purchase. Many cards offer you a guarantee if you use the card. If the item is defective, you can then return it and be assured of getting a refund. Even if the store is not agreeable to a refund, the card company will dispute the purchase.

Students should be taught how to use cards and play the credit card game but not be encouraged to spend more money than they can afford to use each month. When the student cards are due, they should be paid off immediately. This is the same with any type of card. There should be no delay so that you can avoid late penalties and interest fees - both of which can be substantial.

Many people are afraid to use cards because they feel that they will get into a card trap. This is not true. Cards are convenient and can offer you buyer protection. You just have to be sure to be prepared to pay off the balance of the cards when they come due and not to exceed your borrowing limit. Students who get student cards should learn how to play the credit card game and build their credit at the same time. By doing this, they can establish excellent credit in their name, never exceed their spending limit and win the credit card game.

To find the best credit card offers like cash back credit cards and for the best student credit cards that would be perfect for you do visit www.creditcardgame.com for more info.

Prepaid Student Credit Cards

Student Prepaid Credit Cards

A prepaid credit card is a good way for the student to stick to a budget. Parents feel that instead of giving their student a credit card that lets them charge too much that a prepaid card is much better. The prepaid credit card works very simply for the student but it can become a problem if you are not careful of the type that you receive. When you apply for a prepaid credit card you should check out the types that are available. This is the best method to use for a student to gain a good credit score.

You find that some prepaid cards charge a high interest rate along with an annual fee. When you secure this type of card then the most of your money goes toward all these fees. You normally make a deposit into the bank and that lets you make charges but you are still responsible to make monthly payments. The system works in this respect when you are late you pay late fees and in some cases you are charged interest on the loan. Even though you have placed the money in a savings account to be held for your charge card it is still considered a loan. The money is the lenders security that the loan will be repaid even though your account is holding enough money to cover the debt you are still responsible to make your payments in a timely manner. You will build a good credit score by using the prepaid credit card.

Find some of the best prepaid credit cards on the market today at findsecuredcards.com

Monday, 12 March 2012

College Student Credit Cards With No Credit History

The first thing thing students need to do when applying for this special card is to go to a bank and find out what their options are. One type of no-credit credit card is the prepaid card that can be created by putting up an extra account with the bank to serve as collateral.

No credit account cards are the ideal cards for people who have no credit history like college students or for people who have not maintained good standing. Cards of this kind can help someone start building a credit history or repair a tainted one. Someone with no financial history could face difficulties in getting a loan. A good history can be built starting with a card that has no credit. For someone whose rating has been impaired, this card is the perfect start towards fixing it.

A minimum balance has to be maintained in the extra account that is used as collateral to guarantee payments for the card are kept at a constant. For instance, if you deposit $1,000 into an extra savings account, this means your credit limit is $1,000. You will be using the prepaid credit card just like a standard credit card, but if you are remiss on your payments the amount will be taken from the extra account.

This sort of card is called a secured credit card. There are lots of financial organizations that give no credit account cards. You can apply for these online or personally through credit unions.

Find out if your card issuer reports to all three major credit bureaus. Unless your use of the card and the payments you make are not being reported, you will have no record and you cannot create a credit history or rebuild one. In applying for a card, you may have to pay a fee. Proof of your income could also be required in the form of bill payments or pay stubs.

Young people like college students could find it more difficult to acquire their own much sought-after plastic. A nonexistent credit history is the reason for this, not poor credit. Someone who has no credit history is practically in the same boat as someone with bad credit. Fortunately, there are methods that can be employed to start building a credit history.

A student could get his or her parents to co-sign for a loan. A lending firm's decision whether to approve a student's loan or not will hinge on the co-signer's credit. With a parent who has good credit history as co-signer, a student is more likely to be granted more manageable interest rates.

Another good option is a card you can get from a department or grocery store, or even from a gas station. These outlets usually have less stringent requirements for credit. A card like this is perfect for use of consumers who make frequent purchases at the outlets they got credit from; since it is unlikely they will go on a buying spree because this card can only pay for necessities.

Once you get credit and are in a position to build your credit history, you have to be responsible enough to make prompt payments each month. By building a good credit history, you can have an easier time getting a loan or getting another orm of card in the future.

No credit credit cards are like a second chance granted to people who seemingly have little or no chance of getting credit considering their bad credit history. If you were not the ideal cardholder in the past, get rid of your bad habits and repair your credit history. If you are just starting to build a credit history, do the responsible thing by paying your credit-card bills on time.

People with bad credit history and most students have a tough time getting a credit card, but a prepaid credit card sure is a great help, and as a parent you can help your student a lot more by getting him, or her, their own student credit card.

Canadian Student Credit Cards

Canadian Student Credit Card - Credit Cards that Help Canadian Students Get Through

School life is indeed not that straightforward. It is one's preparation for a good career thereafter. Not only should you be concerned about the requirements that you have to complete, you also have to find ways to get through financially. School is really a form of investment. You spend for it to profit sometime in the future.

Unfortunately, not all students are blessed to have enough money to get through school. More often than not, they have to find ways to generate income just to be able to make both ends meet. Good thing there are several government programs out there such as loans and scholarship grants that can help a lot of students.

The Canada Student Loans Program helps around 350,000 students each year by providing them loans for school. The National Student Loans Service Center is then responsible for the management of these loans.

Moreover, there are several provincial Student Assistance offices that are ready to extend help to students seeking for financial aid. They process applications and determine eligibility as well as the amount to grant.

Canada Study Grants are also available but these are mostly for disabled students, part-time workers, students with dependents, etc. This type of grant does not have to be repaid.

In most instances, however, such aids, though very helpful, are still not sufficient. A lot of students remain struggling for finances. Thus, some resort to getting loans from private banks which unfortunately impose higher interest rates and even stricter payment terms and conditions.

This paves the way for the release of Canadian student credit cards. A credit limit will be imposed and students can make purchases up to that. As soon as the bill comes, the students may opt to pay just the minimum charge. Interest rates will be based on the unpaid balances, and not the entire amount of purchase.

Still another type of Canadian student credit cards are those which are secured. Such are supported by a deposit in the bank. If in case the student is unable to pay his credit card bills, they can just be debited from the bank account balance.

Moreover, some parents provide a prepaid type of Canadian student credit card. They load a certain amount of money to it and the student can make purchases up to that.

You may ask if such credit cards are really necessary for Canadian students. True, they can be very useful. Credit cards have actually been a significant part of the lifestyle of most Canadians.

Statistics show that each Canadian has, on the average, two to three credit cards. This is so because they feel that it provides them security, convenience, and financial strategies. Same holds true for those students with credit cards which are simply a good way to let them survive smoothly each day of their school lives.

Credit cards are safe for students because they do not need to bring a lot of cash around campus just to be able to purchase what they need or enrol for a specific class. Thus, the incidence of stolen money is greatly reduced.

Credit cards are indeed very simple and convenient to use. This somehow allows the students to focus more on their studies. Moreover, they can strategically schedule their purchases and payments.

Generally, credit cards for Canadian students will bring in benefits if, at the onset, they were chosen wisely. There are several providers nowadays offering them. Students need to look at the annual fees, interest rates, payment terms and conditions, and many other features. Thereafter, the issue will be about how the students will wisely utilize them.

Student Credit Cards With No Cosigner

Question:
Can students get a credit card without a cosigner?

I'm 18 with absolutely no credit history and I also don't have a steady job. I was looking around for credit cards and I saw some companies that offer student cards without a required cosigner.
I thought the Credit Card Act required all those under 21 to have a cosigner

I was looking into the CITI FORWARD credit card and it clearly states that no cosigner is required.. I tried to look around and see if this is true. And i heard that credit card companies that offer credit cards directed towards student don't have to follow the "under 21 cosigner" rule.
Is this true?

I don't want to waste my time looking for a credit card if I need a cosigner..

Answer:
There's no exemption in the new laws for students. If you're under 21, you'll need a parent/guardian as cosigner unless you can prove you have reliable income in your own name.

References:
www.creditcards.com
www.wellsfargo.com

Pre Approved Student Credit Cards

Chances are that if you attend Uni, or are at the age to, you've been deluged with offers to apply for your pre-approved student credit card. If they haven't landed in your postbox, you'll find all the major card suppliers and banks vying for your attention at the freshers faires when you start your year. Is there really a difference between a student credit card and a regular low interest card - other than all the free swag you can get if you apply at the faires?

The answer is both yes and no. A student card is rather like a regular card on stabilisers - helping to keep you steady while you get the hang of managing your newfound financial independence. It's designed with features that make it appealing and especially useful to a student who is just starting off building a credit history. Generally, they carry a relatively low APR (annual interest rate) and have very small credit limits - usually between £250-£500. In addition, they will also carry reward points for things that are attractive to a student - discounts on music, travel, books and other things from UK merchants.

There are many different options out on offer. Nearly every one of the major card companies offers at least one card designed specifically for students. Though they share a lot of features, it's really worth it to compare cards with one another to get the best deal for you.

There are some great comparison websites which are a great place to start. In addition to offering descriptions and links to all the best offers, you'll also find information on how to choose a credit card, how to compare and how to use credit responsibly. If you're considering applying as a student, here's some helpful advice on how to decide which one is the right one for you.

Before you compare.
You don't have a past credit history to consider, but you do know yourself and the way that you generally spend money. Different types of credit cards are designed for different kinds of spenders.

Does money burn a hole in your pocket? You've got to have the latest thing, even if it means paying it out of your pocket money for months to get it?
In that case, you'll want to look at student credit cards with the lowest possible rate of interest so that it won't cost you a lot to carry a balance from month to month. When you compare options look for the ones with low APRs.

When you borrow money, are you uncomfortable until it's paid back, and do you try to pay it back as soon as possible?
The APR isn't as important to you. It's not completely insignificant, but if you pay off your balance every month, the interest rate doesn't matter quite as much. Instead, when you compare, look for the one that gives you the kind of rewards that you'll use, whether it's points to spend on the latest music, or contributions to your favorite charity.

When you decide what sort is right for you, visit a comparison site and find the one that's right for you. You'll find all that you need to choose and apply for a student credit card right there.

About the author:
Jon Francis has been involved in various areas with the world of finance and has a keen eye for a bargin! He has an in-depth knowledge of student credit cards market and now helps others get the best from a credit card. For more information visit www.airaid.co.uk

Mastercard Student Credit Cards

Student Credit Cards With the MasterCard Branding

Applying for your first credit card, a student one in particular can be a rough process, because when you have no credit, you're going to find that it's going to be hard to get a card. If you're not going to college, you're going to find that the process is going to be even harder. Now, let's say that you're doing your search. You may want to look into a MasterCard branded card. Now, I want to ask you, why do you want to get a MasterCard branded card? What I have found in my search on cards is that there is really no difference between Discover, Visa, MasterCard, or anything else. What's going to matter in the long haul is what you're going to get in terms of rewards. Sure, you're going to want a card with a major logo, because if your card doesn't have a major logo, you will find that it won't be accepted at many places nationwide.

Is there any plus side to owning a MasterCard?

I can't really think of one, unless you're going to find that you can get a reward card with that logo on it. What I have found is that literally everyone accepts MasterCard. Sure, I have come across some companies that don't accept AMEX, and others, but it's quite rare. If you want your business to stay in business in today's economy, you will want to accept it.

What brands offer MasterCard?

Besides the obvious like Discover and AMEX, they rarely will have the MasterCard logo. There are some excpetions though, because I have seen these brands before that had the logo on it. What you're going to want to do is check into the following banks. The banks listed below are a few that you may find with the MasterCard branding...
  • Citi Bank
  • Chase
  • Capital One
  • Allied Bank
  • Orchard Bank
  • Bank of America
These are the main ones online and while your smaller banks may have the logo on it, it's not really going to matter. What's going to matter with these cards is that you get a card that's right for you. You want to find a card with great rewards, little to no fees, as well as rave reviews online. When you do your homework on credit, you will find that you can get nab a card that's going to work for you. Start searching online, and set aside the MasterCard mindset. There are a lot of great cards out there that you can take advantage of.

Find MasterCard student credit cards at www.findcollegecards.com, as well as other ones from major issuers such as Visa and more.

Sunday, 11 March 2012

Student Credit Cards To Build Credit

When you're looking for your first credit card for the first time, there's going to be a lot of questions that go answered. One of these questions that you might have is if a student card builds credit. Well, 99% of the time it does build credit but I will tell you what you have to look out for to ensure you that it does indeed build credit.

Look for the major logo - If the card you're applying for is from a major bank or issuer like Visa or MasterCard, you can be assured that the card is going to report to the three major credit bureaus. If it doesn't have one of these major logos, you may want to ask or look on the application before you apply.

Browse the application - If you don't know for sure if the card you're applying for is a credit card or not, look on the application. Most of the times it will tell you if it's going to report and if it doesn't, I would call the toll free number to see if they do or not. If it doesn't, you may want to look elsewhere.

If you already have a credit card and you're unsure, I would advise that you get a free credit report that you're entitled to every year. Once you get your report, look at it and see if your account is on there. If it is, you're in luck because it's reporting. If it's not, you may want to look for another card because you have to remember that your credit is crucial for the future in order to get great rates for mortgages, loans, etc.

About the author:
Tom Tessin is an author for www.findcollegecards.com that is geared toward students looking for a student credit card.

Student Credit Cards For Poor Credit

The Best Student Credit Cards For Poor Credit

If you are a high school or college student looking for a credit card but you have poor credit, banking institutions might be reluctant to approve you for a card. Several banking institutions offer credit cards that charge low annual percentage rates, or APR, and no annual fee, for students looking to build or repair their credit history.

Bank of America Student Visa Card

The Bank of America Student Platinum Plus card gives students with poor credit a chance to build their credit history and learn how to save and budget. Bank of America also offers a free Student Identity Protection Program for full- and part-time students, plus online resources to help students develop good financial habits such as credit monitoring, budgeting and paying bills promptly. As of January 2011, the Platinum Plus card charged no annual fees and had a low APR of 14 percent.

Capital One Journey Student Rewards Card

The Journey Student Rewards Card weighs its candidates less on their credit history, and more on their grades and academic standing. Although you will need to provide the bank teller with your transcript or report card, approval for the Journey Student card is simple for students with poor credit. Capital One offers payment reminder service to help students keep track of their upcoming bills.

Chase Freedom Visa

With minimum late-payment fees and zero annual fees, the Chase Freedom Visa card is a good option for young adults and students with poor credit history and a tendency to pay late. Not only can you receive 1 percent cash back on regular purchases, and 5 percent to 25 percent with online retailers, the 0 percent APR for 12 months can assure you of no late-payment fees for a full year.

Public Savings Bank "Open Sky" Visa Card

Designed especially for students with poor history, the Public Savings Bank "Open Sky" Visa card doesn't require a credit check or a checking account. The only requirement is a $50 upfront annual fee and making occasional purchases on your card each month. Public Savings Bank reports your payments to all three major credit bureaus, so students can begin repairing their credit history.

College Student Credit Cards With No Credit

A typical college student who lacks an established credit history may have difficulty obtaining a credit card. A poor credit history in addition to strict underage credit rules in the Credit CARD Act can make credit cards difficult to come by. Despite these obstacles, you may be able to get your first credit card by proving your income, using a cosigner or opening a secured credit line.

Requirements

According to the Federal Reserve Bank, you may have difficulty in qualifying for a credit card if you are under age 21. Credit card rules established in the Credit CARD Act of 2009 attempt to protect young consumers from predatory credit practices by requiring underage credit card applicants to either show proof of income or obtain a cosigner to acquire a line of credit. Additionally, underage cardholders with a cosigner cannot seek an increased credit limit without written consent of the account's cosigner.

Secured Credit Cards

If you have no credit history, you may qualify for a secured credit card. Secured cards work similarly to traditional unsecured cards, in that you may charge debt up to your credit limit and pay the debt in regular monthly payments. However, unlike traditional cards, you must supply your creditor with a deposit to secure your credit line. This protects the credit card company in case you default on your credit card account. However, after several months of responsible credit card usage, you will build your credit score, and you may qualify for an unsecured credit card.

Expert Opinion

According to Leslie McFadden, a financial editor at Bankrate.com, you can establish a good credit score by using only one credit card, though having multiple cards can potentially lower your debt-to-credit ratio, which accounts for 30 percent of your FICO credit score. CollegeBoard.com suggests using your college years to build a responsible credit history in order to simplify your finances after graduation when you may wish to purchase a home, rent an apartment or buy a car. Your credit report may even affect your ability to get a job after college.

Considerations

If you qualify for an unsecured credit card, don't apply for a secured card. Unsecured credit accounts carry lower interest rates and annual fees, whereas secured cards cost much more to maintain. If you must use a secured card, avoid carrying a balance month-to-month, and instead pay off the card with each billing cycle. Also, make sure the credit card lender you choose reports your payments to all three of the major credit reporting bureaus to build your credit as quickly as possible.

Student Gas Credit Cards

Gas Credit Cards For Students

Gas prices have never been this high, our economy is arguably in a recession and price of groceries inflate as each day goes by. With more and more Americans foregoing a substantial percentage of their paychecks to gas and auto maintenance, the need for a better, safer solution can not be more pressing than it already is. While we wait for the ultimate solution to eliminating our dependence on fossil fuels, should we continue spending an often ridiculous amount on monthly gas purchasing?

Citi Driver's Edge Credit Card for College Student

The Driver's Edge Card from Citibank is a good credit card solution for college students with poor credit scores even those without a credit history. Cardholders do not need to earn income in order to gain an approval. The featured reward program awards a 3% cash rebate for gas and 1% rebate for other purchases. An introductory Annual Percentage Rate period lasts 6 months during which balance transfers, cash advances and purchases incur no interest. The fixed APR becomes 12.99% afterward. Citi Driver's Edge Card has no annual fee.

Discover Student Open Road Credit Card

Discover's Open Road Credit Card fro College Students offers an introductory APR period for the first 6 months. Cardholders are awarded a 5% cash rebate on gas and auto maintenance purchases. Other purchases attract 1% in cash rebates. The card also offers double Cashback Bonus on grocery store purchases and Online Bill Payment feature. The fixed Annual Percentage Rate is as low as 15.99%.

More information on student credit cards and gas reward card offers is available at www.marketprosecure.com

The Best Student Credit Cards

To help you choose the right student credit card for yourself, I have put together a list of the best student credit cards available in the US market right now. All the cards below have no annual fee.

1. Discover Student Card.
This cash back card, issued by Discover Financial (NYSE:DFS), gives you 5% cash back on rotating categories that change every three months, such as gas, dining, movies and more. Earn 0.25% cash back on all your purchases for the first $3,000 you spend annually, and 1% cash back after you exceed that amount. Enjoy 0% intro APR on purchases for the first 9 months. This student card has even made it to our list of Best Credit Cards 2011. Choose your card design from hundreds of designs. Read our review of Discover Student Card here.

2. Journey Student Rewards from Capital One.
This student rewards card issued by Capital One (NYSE:COF) gives you 1% cash back on all your purchases, and rewards you with 25% cash back on the cash back you earn each month as long as you pay your bills on time. Cash back doesn’t expire, there’s no limit to what you can earn and you can redeem it any time you want. No balance transfer fee. Read our review of Journey Student Rewards from Capital One here.

3. Citi Forward Card for College Students.
This rewards card issued by Citi (NYSE:C) gives you 5 points for every dollar you spend on restaurants, book stores, video rental stores, movie theaters and record stores. Earn 1 point for every other dollar you spend on purchases. Receive 100 points each month that you stay within your credit limit and pay your bills on time. Earn 1,000 points if you sign up for paperless statements during the first 3 months. Enjoy 0% intro APR on purchases for the first 7 months. Read our review of Citi Forward Card for College Students here.

4. Citi Dividend Platinum Select Card for College Students.
Earn 5% cash back during the first 6 months on purchases made at convenience stores, gas stations, drugstores, supermarkets and utilities. Earn 2% cash back in rotating categories such as restaurants, travel and more. Earn 1% cash back on everything else. Enjoy 0% intro APR on purchases for the first 7 months. No cosigner is required. Read our review of Citi Dividend Platinum Select Card for College Students here.

5. Citi mtvU Platinum Select Visa Card for College Students.
Earn 5 points when paying for movie theaters, restaurants, record stores, book stores and video rental stores. Earn 1 point for every other dollar you spend. Receive 25 points every month that you pay your bills on time and don’t go over your credit limit. Earn up to 2,000 points every 6 months if you have a good Grade Point Average (GPA) and get good grades. Enjoy 0% intro APR on purchases during the first 7 months. No minimum income or cosigner required. Read our review of Citi mtvU Platinum Select Card here.

Saturday, 10 March 2012

Student Credit Cards With No Annual Fee

Credit Cards are very helpful for students in these days. Mostly students using a credit card for establishing credit, medical or family-related emergencies, making travel arrangements and reservations, payment conveniences such as shopping by telephone and the Internet, and cash less transactions. Based on their necessities and flexibility the worldwide banks have introduced a lot of new Credit Card offers for students.There are many offers out there for students. Nearly every one of the major card companies offers at least one designed specifically for students. Let's see some of them.

New Discover Student Monogram Credit Card
The Applicant can choose his personalized card design, 0% Intro APR* on Purchases for 6 Months, No Annual Fee, $0 Fraud Liability Guarantee, Easiest Online Account Management Options, 5% Cashback Bonus® on Get More purchases in popular, categories that change four times a year like home, apparel and more*. Also this card provides upto Up to 1% Cashback Bonus on all other purchases automatically*. This is a newly introduced card and very hot moving card in market.

Discover Student Tropical Beach Card
0% Intro APR* on Purchases for 6 Months, No Annual Fee, $0 Fraud Liability Guarantee, Easiest Online Account Management Options, 5% Cashback Bonus® on Get More purchases in popular, categories that change four times a year like home, apparel and more* and also Up to 1% Cashback Bonus on all other purchases automatically*.

Universal Entertainment student Master Card from Chase
0% Introductory APR for up to 6 months, No Annual Fee, Free movie ticket after first purchase, Double points on select Universal Studios Theme Park purchases, 1 point for every dollar spent, Receive opening Weekend Tickets to Universal Movies, Discounts on Universal Studios Theme Park tickets and merchandise and Rewards start at 900 points.

Citi Driver's Edge Card for College Students
0% APR for Six Months on Purchases, Cash Advances, and Balance Transfers - No Balance Transfer Fee with this Offer*, Build Credit History, Earn Rebates Towards Any Car, New or Used, Get Cash for Miles Driven and Free Online Account Management .

Discover Student Card No Annual Fee
$0 Fraud Liability Guarantee, Easiest Online Account Management Options, 5% Cashback Bonus® on Get More purchases in popular, categories that change four times a year like home, apparel and more*, Up to 1% Cashback Bonus on all other purchases automatically*, Build Your Credit History, Unlimited cash rewards that never expire, and DOUBLE your Cashback Bonus (turn $20 into $40) when you redeem for gift cards or certificates from many of our 70 brand name partners.

Discover Student Clear Card 0% Intro APR* on Purchases for 6 Months, No Annual Fee, $0 Fraud Liability Guarantee, Easiest Online Account Management Options, 5% Cashback Bonus® on Get More purchases in popular categories that change four times a year like home, apparel and more* and Up to 1% Cashback Bonus on all other purchases automatically*.

Citi Platinum Select Card for students 0% APR for Six Months - No Balance Transfer Fee with this Offer*, Free Online Account Management $0 Liability on Unauthorized Purchases and No Annual Fee.

Citi Upromise Select Master Card
Helps families save for college -- and its FREE to join, 10% college savings on many grocery and drug store purchases, 2% college savings on purchase of gas at Exxon and Mobil locations, 1% college savings on purchases everywhere you shop and No annual fee.

Bank of America Student Visa Platinum Build your credit history, No cosigner required, No Annual Fee, Online Banking Service, Total Security Protection® and Card issued by FIA Card Services, NA.

Chase Student Flexible Rewards Cards
0% Introductory APR on all purchases and balance transfers for up to 6 months*, 1 point per eligible dollar spent in net purchases1 and No Annual Fee.

Citi mtvU(TM) Platinum Select Visa Credit Card
* Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores, * Earn 1 ThankYou Point for every dollar you spend on all other purchases, * Earn 200-2000 ThankYou Points twice a year for maintaining a good GPA. * Redeem points for gift cards, MTV events, and airline tickets.*

You can see the all above new offers provides lot of facilities for students and there is absolutely no Annual fee.

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