Posts tagged new credit

The whole college experience can be one of the most exciting events that can happen in a person’s life. With regards to money matters college is often the time when youngsters try to really hone their financial management skills. For most, this is also the time to get their first credit card.

Applying for a credit card today is a lot simpler. Most issuers offer an online application feature so all you need to do is fill out an online application, click submit , and get a response to your application within minutes. However, students should be cautious when filling credit card applications. Here are pointers that you should consider before signing up for a student credit card.

Pointers to Consider when Signing up for your First Credit Card

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Your Student Credit Card Options

Jul 22nd

Are you a student who’s about to enter college? If yes, you may be planning to get your own student credit card. Yes, many college students prefer to open a credit card account not just to have a credit card to use but to establish their personal credit history as well. Having a student credit card is a smart move if you can make the right choice. Below are the most important factors that you should consider before choosing a student credit card.

Most Important Factors When Choosing the best Credit card for Students

Interest Rates and Fees

The APR is the additional cost that a cardholder pays each time he/she carries a balance for the next month. Needless to say, you’ll be better off with a low interest rate credit card. As a cardholder, do your best to pay off your monthly balances in full to avoid the APR. (more…)

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What Are Secured Student Credit Cards?

Jul 14th

Credit cards for students give young people a chance to open their own credit card accounts without the need for a co-signer. Thus, any student who wants to have a credit card can easily do so even if he or she hasn’t yet established a personal credit history. In fact, these student credit cards are primarily designed to help young people build an early credit history while they’re still in college.

Students and Secured Credit Cards

Secured credit cards on the other hand are designed for people with bad credit history or no credit history. Thus, even with the absence of credit history or despite suffering from a low credit score, a person can still acquire a secured credit card. Secured credit cards can be used to improve bad credit history. (more…)

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Some Things Students Must Know Before Signing For Credit Card

Jul 10th

Not that you’ve decided to get a student credit card, the first important step is to find the right one. As you graduate from high school, you may have received a lot of offers from different credit card companies. Perhaps you may have a few cards in mind that you’re considering but before you go and submit your application, here are some points to ponder:

Student Credit Cards Can Be Good Or Bad

Having a student credit card can work to your advantage or disadvantage – depending on how you manage it. Sure, applying for a college card is easy despite your lack of personal credit history. In fact, these cards are your stepping stones toward rebuilding your personal credit. However, let’s not forget the risks associated with having a credit card. (more…)

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How to Dispute Your Student Credit Card Charges

Jul 7th

There are times when card holders must deal with unauthorized charges. If you are a student who owns a credit card, anticipating these scenarios and knowing how to handle them is important. In this article let’s discuss the correct way of disputing credit card charges.

Check Your Billing Statement Regularly

As a student credit card holder, it is your duty to check your monthly billing statements to make sure that everything is correct. If you find certain purchases that you never made but are reflected on your account, you have the right to dispute about them. (more…)

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Student Credit Cards With Parent’s Guidance

Jun 30th

Many parents are skeptical about providing credit cards to their young kids. However, student credit cards are wonderful tools in establishing an early credit history. With the right guidance from their parents, students can use their credit cards to their advantage while avoiding bad debt.

Money Management Lessons Can Start Early

Introducing basic financial management techniques to kids will help them become more prepared in handling their personal finances in the future. Teaching kids to save money from their allowances is a good way to develop their money skills. Instead of giving money for school on a daily basis, older kids may be given a weekly or monthly allowance so they can budget their own money. (more…)

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Turning 18 and Credit Cards

Jun 22nd

Reaching 18 is considered as a big event in a person’s life. For a teenager, this will also be the time to pursue higher education, get a job, and be more financially independent. Many young people choose to get a credit card as soon as they turn 18. This article focuses on how young people can prepare themselves on the financial responsibilities they’re about to face.

Choosing Your First Credit Card

Young People and Financial Challenges

In the past years, credit card issuers allow students to open their own credit card accounts provided they have a co-signer. Some credit cards still require a co-signer but since credit card companies introduced student credit cards in the market, it allowed young people to apply for a credit card on their own. (more…)

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How To Cancel Your Student Credit Card

Jun 15th

If you’re a student and you find yourself having trouble juggling between your credit card payments, it’s probably time for you to consider canceling some of your credit card accounts. However, before you call up your credit card issuer to close your account, there are some things you should carefully consider. Let’s discuss the correct steps of canceling an unwanted credit card.

Don’t Just Cancel Any Card (more…)

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How Many Credit Cards Should You Have When You Are In College?

Jun 11th

Many credit card companies send invitations to young people, especially college students since this is the time they need to establish their personal credit. There is nothing wrong in getting your own student credit card as long you’re ready to take on your payment obligations. But the question is, how many credit cards should a college student have? Why are young people encouraged to limit their freedom in obtaining student credit cards?

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The Student Credit Card Trap

Jun 1st