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.

Good Student Credit Cards

When it comes to credit cards and students, a question that is often brought up is what makes a good student credit card? While I can give you some pointers on what makes a good one, it also comes down to a person's personality and spending habits. Just like a car, it all depends on what you want and how you use it. Here are some things that I think make a great card for college students.

The rewards - I use my card because I get rewards. Every time I spend money, I get points back. Some companies have better reward systems than others but the thing I like the most is that I'm able to get rewarded just for spending my money, you can't beat that.

The fees - I'm a big fan of cards that don't have any ridiculous hidden fees like annual fees or monthly fees to keep the card running. I like a card that will have no fees annually and trust me, there are a lot of them out there.

Customer service - When I choose a card, I want a customer service center that's opened 24/7 and will provide me with the answers I need. The reason I switched from an older credit company before is because of the customer service. I don't want to wait 4 days just to get a response via my e-mail. Customer service is important with any business!

These are the main three things that I think are important when it comes down to getting a good student card. It will vary person to person but make sure you look at these options as well when you're looking to apply for a card.

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

Top 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 market right now. All the cards below have no annual fee.
  • Citi Dividend Platinum Select Card Among many other attractive features, this card has no annual fee, a 0% introductory rate on purchases for 7 months, 5% cash back on purchases for the first six months, 2% cash back when spending in certain categories, and fraud and security protections.
  • Discover Student Card This card features no annual fee, a 0% introductory rate on purchases for the first 6 months, 5% cash back in certain categories, unlimited 1% cash back on all purchases after spending $3,000 for the year, and 5% to 20% cash back when shopping online at the retailers at ShopDiscover.
  • Capital One Journey Student Rewards Card Among this card's attractive features are no annual fee, 1% cash back on all purchases, 25% bonus on the cash back you earn each month, and the ability to redeem your cash rewards in the form of a check, statement credit or gift card and to get your cash rewards anytime.

Student Cedit Cards For No Credit

Student credit cards are specifically designed for high school and college students. In the past few years, student credit cards have developed excellent features to help students manage credit card expenses, payments, and debts and reward students for effective financial management. Some, for instance, offer rewards that can be redeemed in the campus bookstore, on iTunes, or to buy concert tickets or pizza in local restaurants.

Student cards may also have convenient ways to help parents transfer money to kids and then track their child’s use of the card to ensure that the student is using it responsibly. Best of all, students can use these credit cards to build up their independent credit history and good credit score so that once they leave school they will be in a solid position to potentially borrow money from banks or lenders.

With the use of student cards for no credit, students can make their regular purchases without the use of cash. This can also serve as a way for students without a credit history to make smart financial decisions so that they're able to begin building their credit history for the future. Students should take care to make sure that they've researched each card option so that they understand all of the terms and rules associated with the card of their choosing.

View student credit cards and Secured credit cards on the website.

Student Prepaid Credit Cards

Prepaid Student Credit Cards

When you're looking to build your credit for the first time, people may have told you to go toward the prepaid credit card route. While, I would choose this as my last route, prepaid cards aren't the worst thing in the world. In fact, there are some pretty good cards out there that will actually help you control your spending and help you build your credit too. I'm going to show you what you should look out for.

Look for a major logo - When you're looking for a prepaid card, always look for that major logo from Visa and MasterCard. If it doesn't have a major logo, you may find that many merchants won't accept the card.

Look at monthly fees - A lot of these cards will have a monthly fee but the good ones won't. Before you submit your application, make sure that you read the details and fine print to see if there are any fees of any type. You won't want to apply and find out that the card has a load of fees each month.

Look for credit building - Most people think that prepaid cards are like gift cards, where they won't build your credit but yes, there are cards out there that will help you with your credit building. Look at the cards benefit to see if the card helps you build your credit. If it does, the bank will most likely point it out.

A prepaid card is a great way to get approved 100% and also is a great way to control your spending. If you feel you think you're going to overspend with your first card, I would recommend you try one of these types out. If not, I would look at other types of cards.

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

Friday, 9 March 2012

0 % APR Student Credit Cards

College is costly, and students are often unable to immediately pay down certain expenses like books or a computer. Rather than incur the added cost of interest or experience the discomfort that comes with falling behind on your bills, consider opening a 0% APR student credit card in order to buy yourself more time to pay off those big-ticket purchases that seem to be inextricably linked to higher education. Student credit cards with no interest work like any no interest credit card in that they have introductory periods, usually lasting six months or more, during which interest is not applied to the revolving balance.

When the 0% intro period concludes, a regular APR ranging anywhere from 10% to 25% will kick in. It is therefore important to pay the majority of your balance before the 0% period concludes, and a payoff calculator can help you determine the monthly payments necessary to do so. Some of the 0% APR student credit cards listed at offer 0% on balance transfers as well, making them apt for saving money on existing debt. Use the filters on the left to compare 0% APR student credit card offers, and apply online for the card of your choice.

Credit Cards For College Student

If you are a student that is looking to build your credit history while earning rewards from everyday purchases then a college student credit card is what you are looking for. Student credit cards are a great way for a student to start building their credit history while they are still in college. These types of credit cards also offer special features to their users such as fraud protection, travel accident insurance, auto rental insurance and travel emergency assistance just to name a few. You can also receive discounts and rewards for purchases made at select merchants and retailers. Rewards can be earned when you shop at select book stores, record stores, video rental stores and movie theaters with certain cards. Select college student credit cards also reward their users for on-time payments and maintaining a high GPA with bonus rewards points that can be for discounts towards purchases.

Citi mtvU Platinum Select Visa Credit Card for College Students

If you are a college student that is looking for a credit card that offers great rewards while building your credit then the Citi mtvU Platinum Select Visa card is perfect for you. The points earn from this card can be redeemed for gift cards, CDs, VIP mtvU Spring Break Passes, tickets to the MTV Video Music Awards, airline tickets and discounts on purchases at the MTV online store and the MTV New York City Store. Users will earn 5 points per dollar spent at participating restaurants, bookstores, record stores, movie theaters and video rental stores. College students using this card can also earn 25 bonus points for making payments on time and up to 2000 extra pints per semester for maintaining a high GPA. This card offers many platinum benefits along with an interest free introductory period and no annual fees.

Citi Driver's Edge Card for College Students

If you are a college student that drives a lot then the Citi Driver's Edge Card for College Students credit card is right for you. The Driver's Edge card allows users to earn points for every mile they drive along with purchases made that can be used towards the purchase or lease of a new or used vehicle. You can earn $1 for every 100 miles you drive and the rebates can be used towards payments, maintenance, service and repairs on your vehicle. Aside from earning points for driving, you can also earn a 3% rebate for purchases at supermarkets, drugstores and gas stations and 1% on all other purchases. The Driver's Edge credit card offers an interest free introductory offer for six months and no annual fees although the interest rate is slightly above average after the offer ends.

Visit to learn more about credit cards designed for college students and view credit card applications online.

Student Credit Cards With No Credit History

There are a number of students who want to get a credit card as they go to college. Since they have never had any credit card before, or any loans or bills to pay, they don’t have a credit history. It is difficult to get anything major in the ‘no credit’ situation.

How does it affect the lenders?
When you apply for a credit card, lenders check your credit rating to see your credit score. If you do not have any credit rating, it might be viewed as unsafe by some lenders as they cannot be sure of the return of their money. This is why sometimes having no credit might be equal to having bad credit. And since students have no credit, it is difficult for them to get a credit card. So what can be the options for student credit cards with no credit history? Here are some of the choices that you have:

• Specialist card
There are special student credit cards with no credit offered by some companies that are especially for students with no credit history. But since there is more risk involved, the interest rates on such cards are higher. Apart from that, the initial credit limits may also be quite low. But that is not the case with all specialist cards. Different companies and banks provide different schemes and you have to contact them to know more about these cards.

• Bad Credit credit cards
There are many companies that provide credit cards to people with a bad credit history. They also work with people who have no credit record. Since interest rates of these cards can be higher than specialist cards, you need to weigh your options before going for these. It is best to get a specialist card if you do not have a bad credit history, but in any case, the option of a bad credit credit card is open for you.

• Parental cards
Many parents allow their children to be authorized users of their cards. This has interest benefits, plus parents get to know where their children are spending. So this is an important tool in the hands of parents, but limits the freedom of kids.

• Prepaid credit card
Instead of a general credit card, students can get a prepaid credit card that would work just like a regular credit card, but the money is previously loaded into its account- as the name implies. This way the provider company will not have any risk with a new user, and it will be safe for both parties. This is a great way to get a card that can be used in emergency situations.

If you are a student with no credit history, and are looking for a credit card, you can find many banks offering student credit cards. You might even find such cards available at the university campus itself. You can contact your student body at the campus and get to know more about them.
Visit for more information about student credit cards.

Student Credit Cards With Low Interest Rates

Student Credit Cards With Low Interest Rates

For adults, understanding the primary and fundamental things of interest rates is very important before applying for any type of student credit cards. It is especially important for individuals, trying to get this category of credit card, to understand exactly what they may end up paying in the long run, so they are able to make decisions and choices better.

Interest rates vary considerably depending on credit card offers, so it's advisable for students to read carefully the fine print first. Generally, the interest rate ranges from between around 8 per cent to as much as 30.25 per cent. Typically, most student credit cards begin with a low interest rate; sometimes it can be as low as 0%.

Even though low introductory interest rates may seem to be attractive at first, immediately after the introductory period ends, which usually lasts about six months, the interest rate may increase suddenly to between 16 to 18 per cent. In some cases, a consistent interest rate may be a better choice for students.

In general, the best student credit cards contain a normal interest rate of around 15 per cent, according to "The Truth about Credit - a public interest research groups in the United States". Students or their parents must select the card with interest rates at this level or lower; otherwise, the student will end up paying too much for their credit card privileges.

Some alarming facts about student credit cards:

It is one of the biggest problems with student that they do not realize how quickly debt can be accumulated and how difficult it can be to get rid of it. A credit calculator will become very useful, if a student want to learn that by paying a monthly payment of $25 minimum towards a $1000 with an 18 per cent interest rate. They would end up spending $1115.41 just on interest at the end of 153 months and that is how long it would take to pay off that balance if no other purchases were made on the card.

Author of this article is associated with from a long time having good knowledge about various credit cards like gift credit cards uk prepaid credit cards uk, gold credit cards uk and many more.

Thursday, 8 March 2012

Student Credit Cards 0 % APR

Where Are 0% APR Student Credit Cards?

Building your credit for the first time can be a challenge. First, you're going to find that some banks want you to have credit, but if you're new to the game, how the heck are you supposed to have credit? It just doesn't make any sense! If you're looking to get a first time credit card, I would advise that you go down the student credit card route.

Now, if you're already looking for student cards, you're going to find that you will more than likely want a card that has a 0% interest/APR. Sadly, this isn't going to happen, but you're going to find that if you know where to look, you can get a card that has a great introductory rate.

You don't want to be the students that see 0% on the application and instantly think that that's what you're going to get, because this isn't the case. You're going to find that many credit card companies are going to do everything in their own power to get you to sign up, hoping that you don't read the fine print. Trust me, it works now and it will work well into the future.

The alternatives

I know that credit cards come in handy when it comes to college. You're going to have to put $100s on your card to pay for books, food, and more. While it's going to be a challenge to pay it off in full each month, you're going to find that if you do, you can avoid interest rates all together. So, even if they want to charge you 300%, it won't matter to you since you're not going to pay interest anyways.

Your best route

The best thing that you're going to be able to do is take advantage of the introductory rates. Most of the major banks today such as Discover, Citi, and others are going to give you an intro rate for the first 6 months. Always make sure that you read the application to know what you're getting yourself into. While 6 months doesn't seem like a long time, it's a lot better than nothing.

The best place to find these cards is simply by using comparison sites, or heading to your local bank. In today's economic climate, you more than likely won't find a card that gives you 0% for life. Once that card does come to market, you can bet that everyone will flock to it one by one.

Whether you're looking for a 0% APR student credit card or a card for first time use, be sure to check out the "best" list of student cards at

Instant Approval Student Credit Cards

This is why getting a credit card is also a good idea for most students. Aside from the reasons mentioned above, there can be quite a good number of advantages having a student credit card can give you. Some of which are the following:

1. Aside from student loans, you can also use your card as an aid in paying for college tuition. Since not all college students have rich parents who can foot the bill for their education, having another resort, such as a trusty credit card, can be very helpful.

2. You can learn early on how to manage your finances.

3. You can easily start building your credit history and score to prepare for the future.

However, not all cards are made for students. In fact, a large majority of it will even have requirements that young students would be unable to provide yet. This is where instant student credit cards enter. With these express credit lines designed especially to get the younger market, all of the advantages stated earlier are now within most students' reach.

A great concept to help young people have emergency funds for their needs and also a great idea to attract more clients and customers for banks, these instant student offer young people the financial assistance they need. Since most young adults would need to get started on their credit building sooner or later, why not make things easier for them by offering easy applications for services, right? This is why a lot of credit companies now have these kinds of packages for the younger market.

Now, if you're thinking about getting a student credit card, you can't just jump in to just about any offer that you encounter. Remember, credit companies know that this would most likely be your first time in getting a credit card, making you inexperienced and prone to mishandling your expenses. This fact in itself also equates you to pose higher risks, causing for them to enforce a bigger interest rate on your account to compensate and teach you to be wise in your spending.

A lot of people would say that getting a card at such an early age would only put you in more dangers of getting buried in debts. However, if you're wise enough in your expenses and managed to find a credit company that has fees and interest rates that's affordable, you surely won't have any problem handling credit. With being a bit more responsible, you surely will have no issues in handling your debts.

Visit for more information about student credit cards offers.
If you're a student wanting to learn more about Instant credit cards, make sure to read and research more before signing up and applying for a specific Instant credit card approval. There are tons of instant credit card companies available you can choose from, so make sure to shop around first before committing to anything.

Student Credit Cards With No Credit

Many students find themselves looking for a good charge card. It can be difficult for many to get the credit card that they need because they have little to no credit history. Certain cards are only meant for individuals with a great credit history. Credit card companies have taken steps to make it easier for students to get a credit card with the development of student charge cards with no credit options. This allows students to have the change to begin building good credit so that they can take more financial steps in the future. There are a number of charge card companies who are willing to accept new student accounts and grant low interest rates.

Credit cards are one of the most important credit accounts for an adult to have. Millions of credit card accounts are opened every year. However, if a college student does not have a credit card account open by the time they graduate college, they are going to find it more difficult to rent a house, purchase a car or obtain a cell phone.

The Applied Bank Visa Secured card is a great option for students with no credit. This card is especially designed for college students in mind. This card offers a 0% annual percentage rate, so students won't accumulate interest on their purchases, no matter how long it takes to pay their debt off. There are also no application fees or yearly fees associated with this card. Students will be able to improve their credit rating because this card reports all activities to the credit bureaus.

The Public Savings Open Sky Visa® Secured card is an additional option for students. This card has no annual fees and does not require students to go through a credit check process in order to apply. This card offers a 6.5% variable annual percentage rate. Additionally, students don't need a checking account in order to apply and will be able to have their credit activity reported to the credit bureaus in a timely manner.

With the use of student cards with no credit, students can make their regular purchases without the use of cash. This can also serve as a way for students without a credit history to make smart financial decisions so that they're able to begin building their credit history for the future. Students should take care to make sure that they've researched each card option so that they understand all of the terms and rules associated with the card of their choosing.

View Student Credit Cards and Secured Credit Cards on the website.

Wednesday, 7 March 2012

Student Credit Card vs Regular Credit Card

Student Credit Card vs Regular Credit Card: What's The Difference?

What is the difference between a student credit card and a standard credit card? Not much! In fact, the only real difference between a student credit card and a regular credit card is that student credit cards have higher interest rates (i.e. the annual percentage rate or "APR") associated with them. This is to be expected since issuing a credit card to a young person with little or no credit history translates to increased risk for the credit card company. Also, with student credit cards, you may be required to provide the name of your college or university on the credit card application form.

Student Credit Cards Advantages:
  • Emergencies: In a college atmosphere, an emergency can happen when you least expect it. Having a student credit card handy can really be a real life saver for emergencies like disabled vehicles or needing some cash for that taxi ride home from a party.
  • Learn About Credit: A crucial life lesson which can have a huge impact on a person's overall quality of life. A student credit card is a big responsibility, and if a student can learn to handle one responsibly, it can give parents great comfort in the knowledge that their child is ready for the real world of money and finance.
  • Track Spending: Students can effectively track their spending by reviewing and storing the monthly credit card statements that will be sent by the credit card company. This will help students understand the importance of budgeting and record keeping.
  • Reduce Cash Worries: A source of a little extra peace of mind: carrying around a student credit card means that you don't have to carry too much cash in your wallet or purse.
Student Credit Cards: The Drawbacks
  • High Interest Charges: The interest charges on outstanding balances are invariably higher with student credit cards due to the increased risk for the credit card company. And the interest rate on a student credit card can soar to over twenty-five percent (25%) if you miss a payment. Establishing a credit history will require some compromise, but you can always cancel a student credit card once you've graduated; the credit history you will have developed will enable you to get a standard credit card with a much better interest rate (APR.)
  • Easy to Get Carried Away: Most working adults understand how easy it is to get carried away with credit cards and quickly end up with a mountain of debt. Most students, on the other hand, don't realize how easy it is to get carried away with spending, and often end getting into serious debt problems, problem that can sometimes lead to leaving school before earning a degree. Understand that using a credit card is the same a spending cash; it's a loan from the credit card company that you have to pay back. Use your student credit card wisely and sparingly. Only buy goods and services that you can realistically afford.

    Student Credit Cards With No Credit Needed

    In light of the law’s requirement that people under the age of 21 must either declare on their application that they have sufficient income/assets to cover a new credit card’s monthly payments (usually 3% of the balance) or have a co-signer in order to qualify for a credit card, it has become a bit more difficult for young people to build a solid credit history.

    Nevertheless, as a college student, you should not ignore the direct correlation between the length and quality of your credit history and the mortgage terms, car financing, and jobs you’ll be eligible for. Opening one of the many credit cards for college students with no credit history is therefore extremely important. While credit cards for no credit students typically do not have the best terms in the market, given that those students lack a track record in handling credit, the rates, fees and rewards they offer are average and far better than those found on student credit cards with bad credit.

    Listed below are both secured and unsecured credit cards for students with no credit history. Either type of card will report to the major credit bureaus, thereby allowing you to build credit, but if you want to develop a solid credit history as inexpensively as possible, we recommend picking a no annual fee student credit card that you pay off in full every month.

    For more information visit this website page

    Good luck!

    College Student Credit Cards

    You will find that there are a lot of people that have mixed feelings about credit cards. To some they are horrible and something that they wish they never had and others love them due to all the benefits and perks they've received over the years. If you're a college student that is looking for your first or another credit card, here are some things you may want to look for.

    Interest rate: First of all, you want to find a credit card that has a low interest rate. Anything under 15% is pretty good, especially for a student credit card. Anything higher, it may be a problem if you don't plan on paying off your bills in full each month. So, just to be on the safe side, compare all the interest rates and go with the one that has the best.

    Fees: You will find that there are several fees on some cards. There are late payment fees, annual fees and fees for just about everything. Keep an eye out for these and make sure you're not getting yourself into a mess with getting a fee friendly card.

    Rewards: There are credit cards out there with some great rewards. Whether you get cash back for every purchase you make or you get points for each dollar you spend, these are something you want to look out for. Don't get a credit card unless it has something to reward you. I've found that with my cards I get points for each dollar I spend, which means I can redeem them later on for gift cards or even money towards my monthly statement. This is something to always look forward to once you have enough to redeem!

    Reviews: It's always good to get advice from other people. Find a credit card that other people like and recommend. If people are talking bad about it and tell you why you should avoid it, listen to them. Instead go with a card that is rewarding, has a low interest rate and one that people recommend. Reviews can be helpful when it comes to looking into just about everything.

    There are several cards out there for college students. Although, it's important to find which ones are the best and which ones are the worst. Be sure to use your future card wisely, and to consider everything we've talked about above before you apply for it!

    Tom Tessin is an author for that is geared toward students looking for a student credit card.

    Tuesday, 6 March 2012

    Student Credit Cards With Cosigner

    The Credit Card Accountability, Responsibility and Disclosure Act of 2009 made it more difficult for students and others under 21 to obtain credit cards. Before the act, credit card companies were allowed to set their own lending criteria, and they heavily marketed credit cards to college students. That led to increasing levels of debt for students, many of whom were already burdened by college loans. As a result students now have to prove they have the independent income to support a credit card or find a parent or someone else with excellent credit to co-sign.

    How to Get a Student Credit Card by Using a Cosigner:

    1.Find a co-signer.
    A parent, guardian or other relative are all good choices, but legally the person does not have to be related to you. Someone who already has a credit card in excellent standing is an ideal prospect. Tell your prospective co-signer that you need help obtaining a credit card. Make it clear to the co-signer that he will be responsible for the debt if you default. Convince your relative or friend that you will not default by talking about your maturity, credit worthiness and sense of responsibility.

    2. Shop for a credit card.
    Consider local banks and credit unions and also review credit card comparison websites (see resources). Identify credit cards that meet your needs. Interest rates are an important criteria, but also consider annual fees and amenities such as rewards programs.

    3. Apply for a card.
    The process could be very simple if you are applying to the same credit card company your co-signer uses. Simply have the co-signer call the customer service number on the back of her card and tell the representative that she wishes to co-sign for a prospective new card holder. The representative will take information from both of you and review your respective credit files. A decision could be available in minutes or a few business days.

    4. Apply for a different card if you would rather not use your co-signer's card company.
    Apply in person with your co-signer at a local bank or credit union or apply by phone with other card companies. Make sure your co-signer is with you when you call. Both of you will be subjected to credit checks, and a decision could be available immediately or in a few days.

    Best College Student Credit Cards

    Student credit cards are geared primarily toward college students. But there are many factors that can make credit cards for college students the right choice for young people. So, it is very important for all consumers, not just students, to first learn about each type of available card and then choose the one that is most suitable.

    Secured credit cards are one type of card for students to consider. These cards are funded in advance of purchases and do not actually extend a line of credit in the form of a loan. Rather, the cardholder sends money to the card ahead of time and uses those funds to make purchases later. In essence, a secured credit card is a bank account that does not earn interest, but can be accessed easily with the swipe of a credit card.

    Secured credit cards for college students are a popular choice with many students and their parents. One of the reasons for the popularity of these student credit cards is the fact that it is not necessary to have a credit history in order to receive the card. Of course, most college students have not yet had the opportunity to build a credit history. Therefore, a secured credit card is an attractive option. In addition, secured student credit cards typically offer instant approval and do not require employment verification or even a bank account in order to receive a card.

    Secured credit cards are also popular with parents because they can "load" the credit cards with as much money as they see fit for their college student. Loading a credit card is simply placing money on the card. Parents can generally choose to have money directly added to the card with each paycheck. Or, they can send money through the mail in the form of a money order or cashier's check. There usually are also banks that will accept payments to be added to the credit card.

    With a secured student credit card, parents can essentially provide their college-going child with an allowance to pay for food, school materials, or any other need the student may have. At the same time, there is no risk of the college student building a huge debt on an unsecured credit card. Once the money is spent, there is no more for the college student to spend. Secured credit cards for college students are a great way for parents to help teach their children to be responsible and independent while still providing a little help along the way.

    Another benefit to using secured credit cards for college students is that many report to the major credit bureaus. In this way, the college student can begin building credit without the concern of harming his or her credit rating by being unable to pay the debt off.

    For some college students, secured credit cards are not the most attractive option. One reason is because there tends to be a great number of fees associated with secured credit card. Theses fees include application fees, processing fees, and annual fees. There is generally also a fee associated with loading funds onto the credit card. Thought these fees usually range from $1 to $5, the fees can add up over time.

    Another reason secured credit cards may not be attractive to a college student is because the student is truly on his or her own and unable to receive financial assistance from the parents. Or, the college student may simply not have the funds available to place on a secured credit card ahead of time.

    No matter the reason, unsecured student credit cards are also a popular option with credit cards. Credit cards geared toward college students are specifically designed for individuals with little credit history. Often, the Annual Percentage Rate (APR) on these cards is higher than average. Therefore, it is best for the college student to pay off the card at the end of each billing cycle whenever possible. As with secured student credit cards, unsecured credit cards for college students go a long way toward building the student's credit history.

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