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Sunday, 17 February 2013

Apply For Student Credit Cards Online

College tuition fee gets more expensive year after year. Because of this fact, high school students (and their parents) are already planning ahead. Some of them turn to credit cards.
Credits cards that are targeted specifically for college students lessen the fiscal load. Thank to this, the students need not have allowances from mommy or daddy and totally rely on part-time jobs.

Student credit cards are more popular nowadays because of the benefits. Let's say you are in college and you are having problems in terms of money. It's difficult to budget the allowance your parents give you as well as the small amount you get from your part time job. If this is the case, then credit card is your resort.

Student credit cards can cover any expense imaginable that will be encountered during college. The difference of student credit cards with student loans is that the latter only covers the expenses that are related to school. The former, on the other hand, can help the student with his daily expenses like groceries, transportation and miscellaneous fees (laundry, dry clean, etc.)

Student credit cards are different from the regular credit cards. Student credit cards are secured, in the sense that it prevents the user to over-spend. It controls the student's expenditures and only lets him spend what he must.

Now, applying for student credit cards can be done online. You need not worry finding it because the tables are turned and it will find you instead. Sales agents for student credit card companies go to universities and campuses all around the United States in search for potential clients. If you're lucky, these sales agents have freebies like coffee mugs, pens, shirts and stickers if you sign up and join their program. Therefore, if you are enrolled, you have better chance to getting a student credit card application.

Let's say you are not lucky. Don't give up. You can still do your application over the web. Thanks to internet, the process for student credit cards application is so much easier. Just visit the provider of these student credit cards and ask for their website. Visit the site and fill out the application forms that you submit to an email address indicated on the home page. After a couple of days, you receive a notice via email about the application results. It's either your student credit card application has been approved or rejected.

Since you're logged on anyway, you can make the most out of your internet connection and compare the plans of various student credit card providers out there. In doing so, you have an idea of which student credit card is best for you - meaning one that will give you the lowest interest rate possible. If you want to take advantage of the promos and freebies that they offer when you do your application online, do so.

Just make sure that you carefully read the terms of agreement that is posted on the site. Do not be daunted by the numbers. Try to understand each figure and if possible compare them with others. Low fixed rates generally don't last within credit card providers and there are offers that are only available for a limited amount of time.

Most importantly, remember to have security on your computer in order to avoid identity theft. You must have the latest and most reliable antispyware installed into your system so that you can protect yourself from hackers trying to get your information.

About the author:
Mario Churchill is a freelance author and has written many articles on various subjects. For more information on blue American express or to get a American express blue card checkout his websites at www.creditrequests.com.

Friday, 18 January 2013

Best Student Credit Cards 2013

The Credit Card ACT of 2009 has made life more difficult for students looking to apply for a credit card. Previously, if you were a college student, there was no age limit on whether or not you could obtain a credit card. In an effort to protect students from the dangers of credit cards, Congress passed a law requiring all students under the age of 21 to have a parental cosigner OR show sufficient income when applying for a credit card.

As a result of the Credit Card ACT of 2009, credit card rewards and offers have suffered a bit and this has certainly filtered through to college student credit cards. Still, there are a good number of solid student credit card offers represented below. If you own a student credit card you feel deserves to be on this list, let us know and we’ll gladly add it.

But before we get to the list, it’s important to mention that a student must have OK credit in order to be approved for the cards below. If you have bad credit (defaults, many late payments, collections) then applying for a credit card is only going to hurt you. If you do not know your current credit score, both Credit Sesame and Credit Karma offer totally free accounts to check your credit score. Signing up takes one minute, requires no credit card and does not trick you into paying for anything. No free trials or sneaky business, just 100% free credit score accounts

Best Coolege Student Credit Cards

Citi® Dividend Platinum Select® Card for College StudentsThe Citi Dividend Platinum Select Card for College Students is our best overall college student credit card. The card sports a 0% intro APR on purchases for seven months, only requires good credit to be approved and carries no annual fee. As with all Citibank student credit cards, the Citi® Dividend Platinum Select Card for College Students does NOT require a cosigner.

Perhaps the greatest feature on the Citi Dividend Platinum Select Card for College Students is it’s cash back potential. Cardholders earn 5% cash back at supermarkets, drugstores, gas stations and utilities for the first six months (1% cash back thereafter). 1% cash back can be earned on ALL other purchases and if you’re unable to pay off your credit card in full each month, the after intro APR is a respectable 13.99% – 21.99% variable.

Citi Forward® Card for College Students
The only credit card that rewards good behavior, the Citi Forward Card for College Students offers up to a 2% APR reduction on your credit card if you make a purchase, keep your balance under your credit limit and pay on time for three months in a row. In addition, the Citi Forward Card for College Students offers a 0% intro APR on purchases for seven months and bonus 1,000 points after you sign up for paperless statements within the first 3 months of account opening. The Citi Forward Card for College Students does not have an annual fee and 100 Thank-You points are earned each month you pay your credit card on time and stay under your credit limit.

Capital One® JourneySM Student Rewards
The Capital One Journey Student Rewards Card is another great option for students in need of credit. While the card does not carry an introductory offer, it does offer 1% cash back on all purchases. The Capital One Journey Student Rewards Card only requires average credit for approval, does not have an annual fee and has a 19.8% APR on purchases and balance transfers. In addition, students get a 25% bonus on the cash back they earn each month when they pay their bill on time. They also can earn up to 15% more cash back when they shop the Perk CentralSM retail network.

Discover® Student CardThe Discover Student Card is our second best option, offering college students a 0% intro offer on purchases for nine months. The cash back opportunity on the Discover Student Card is great in that a 5% Cashback Bonus can be earned on rotating categories throughout the year. Otherwise, you’ll earn 0.25% cash back on your first $3,000 in annual purchases, and up to 1% cash back thereafter. The Discover Student Card requires fair credit to be approved and carries no annual fee.

Orchard Bank Classic MasterCard
Not your typical college student credit card, the Orchard Bank Classic MasterCard is a regular credit card, designed for people with poor credit. Students sometimes have no or poor credit because of student loans taken out in their name so if you find it difficult to be approved for another card on this list, the Orchard Bank Classic MasterCard is your best option. The downside to being approved for this card is that there is an annual fee, $0 – $59 for the first year and $35 – $59 per year thereafter*, and the APR on purchases and balance transfers is now 14.99% – 24.99%.

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