Tips to help college students build their credit reports and continue their education.
Student Credit Articles
Students – Protect Yourself from Credit Card Fraud and ID Theft
Jun 28th
Controlling your spending, keeping your credit usage minimal and paying on time are important to maintain good credit. Nevertheless, you must also protect yourself from fraud and ID theft to ensure that your personal credit will always be in good shape.
If you are a student who owns a credit card, you are at a greater risk. Take a look at the following tips on how you can defend yourself:
Check your credit card statements. Check your monthly credit card statements to make sure that there are no unauthorized charges. If you find unfamiliar transactions, do not hesitate to inform your credit card issuer right away. As a consumer and cardholder, you have the right to dispute unauthorized charges. (more…)
On Acquiring Your First Credit Card
Jun 22nd
Many young people excitedly enter college, full of dreams and ambitions. However, some of them get stuck in bad credit as a result of poor management or overspending. Having a credit card can be convenient but if a cardholder is not careful, the result can be devastating.
So if you plan to apply for a student credit card, see to it that you are aware of the responsibilities involved in managing credit. Certainly, owning a credit card isn’t just about spending. Get informed. Don’t be afraid to ask advice from people who have built themselves good credit. (more…)
Must a Student Get a Credit Card?
Jun 6th
Some people may frown at the idea of allowing young people or students to use their own credit cards. For others, having a credit card encourages overspending. In fact, many student cardholders have been stuck in bad credit as a result of uncontrolled credit card spending. Does this mean a student should not get a credit card?
Using a credit card while in college can actually bring a lot of benefits. To reap these benefits however, a student credit cardholder must learn how to use his/her account responsibly. Listed below are reasons why students must consider getting a credit card: (more…)
Credit Card Basics for the First Time Cardholder
May 26th
Getting the right information is important before acquiring your first credit card. This article is especially written for students and for others who are planning to acquire a credit card for the first time. Knowing these basic facts can save you from unpleasant surprises later on.
Credit cards vary. Not all credit cards are the same. Some are especially designed for people with good credit while others are intended for people who need to repair their bad credit. Some credit cards offer rewards while others do not. (more…)
8 Tips You Can’t Miss On Using A Student Credit Card
May 23rd
How you use your student credit card while in college may have lasting effects on your personal credit. On this post, we talk about 8 essential tips on how you can use your student credit card to your advantage:
- Avoid a revolving balance. Instead of paying your minimum due each month, make it a point to pay off your entire bill each month. Doing so can save you from a lot of trouble. First, you can avoid paying the interest rate. Second, you can protect your credit score. Last but not least, you can minimize the risk of debt build-up. (more…)
Back-to-school Credit Tips for Parents
May 9th
School opening is once again near. Many people are preparing to make sure that everything will be in place before classes begin. This post presents essential credit tips for parents: Educate Your Kids About Credit Management Parents can be of great help in helping young people to become responsible in managing finances. If you think that your child is old enough to handle a student credit card, don’t just pick one out for them. Instead, get them involved with the process. (more…)
How to Build Credit History While In College
May 3rd
Being in college can be one of the most thrilling experiences in life. This is time when you become more independent in many ways, including financial independence. It is also the perfect time for you to start building your personal credit history- an essential preparation for your financial future. In this article, we will tackle the ways on how you can build good credit while in college.
Credit Card Tips for New College Students
Apr 26th
You have just finished high school and are now about to enter college with promising dreams. Indeed, college years can be one of the most exciting times of your life. This is time you will gain more independence – emotionally, mentally, and even financially. In fact, many young people acquire their first credit card while in college.
Is this going to be your first time to apply for a credit card? If yes, consider the following tips on how to find the right student credit card and how to use it to your advantage:
Advice for Students Who Want a Credit Card
Apr 15th
Would you like to own a credit card in college? There is nothing wrong with using a student credit card. In fact, it is a great tool that you can use to train yourself on how to handle debt and credit. It is also a wonderful tool for building early credit history.
Should You Get a Student Credit Card?
Feb 28th
Many college students own at least one credit card in their name. Are you planning to apply for a student credit card too? Indeed, acquiring a credit card for student have many advantages but let’s not forget the risks. In this article, let’s discuss points you should consider before signing up for a student credit card.
