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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.

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