Different student credit cards

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Different Student Credit Charge cards

This article will give you a few different indications of college student credit cards which you can explore. There are many companies which will work with you as a student and having new credit should not be an obstacle. Many credit card companies will not work as readily with potential customers who don’t have a credit background. If you apply for retailer credit cards and do not have credit, you will most likely obtain turned down. When you consider different student credit charge cards, there are certain features which you will want to look into.

The very first factor when looking directly into different student credit credit cards is the annual percentage rate. Any credit card which you do not pay away from every month will charge a finance charge every month. The total amount which you will be charged for finance charges is based off the annual percentage rate which is included in the disclosures you receive whenever first opening the particular credit card. Look to get the lowest interest rate that you can feasible receive. One feasible option which you can receive is six months along with zero percent APR.
Which means you will not be charged for the first six months of interest. If you need to get your automobile fixed and do not have of the money right at the time, you may want to think about this as an option. If you are transporting a balance on a various credit card, you may be able to transfer it to the zero percent APR potentially.

The next factor to consider when looking into different pupil credit cards is whether there is certainly online account management. This kind of feature can be especially helpful if you live outside the state or have a really busy life. This enables you to check your balance as well as your card usage whenever you get a chance to look. You can often make payments online rather than having to mail a check to the credit card company. You’ve got more freedom to control your finances.

The third key to consider for student credit cards is what form of credit the credit card company you’re applying for is looking for. In the event you read up on different websites, there are different credit cards and the different charge cards may need no credit, excellent credit, or bad credit is okay. If you have no credit encounter whatsoever, you will want any card with limited or even no credit history.

Ideally this article on various student credit cards has given you insights into the different features you should think of when getting a credit card. Finding the time to look at your different options will allow you to find the best card to suit your needs. What works for you is not going to always work for someone else because of differing financial circumstances. The person who works on and finds any card best suited for him or her will start off their own credit history in a excellent manner. Building great habits is a careful effort and using the steps described in the following paragraphs will help with that.

Comments: 43

  1. Apryl February 17, 2013 at 7:11 pm Reply

    I’m a 20 year old sophmore in college and have applied for different student credit cards and retail store credit cards and have been denied for all of them. I have no credit history, but I read that having a job increases your chance of getting approved, but I’ve had a steady job for 3 years and still nothing. I don’t want a secured card or a card from First Premier bank since 59.9% apr is ridiculous. Is their any other ways I can get approved for a credit card?

  2. Delorse March 12, 2013 at 11:29 am Reply

    Trying to start building credit but can’t get a single college student credit card to accept me. What card can I apply for that will accept me?

  3. Allen May 10, 2013 at 6:23 pm Reply

    The student credit card that i want to apply for have an APR of 14.24%. Is that a high APR or low?
    If i apply to the student credit card with a Guarantor, how long is he going to be responsible of me?
    It will be a lot of help if you help me on this.

  4. Pat July 30, 2013 at 4:00 am Reply

    I have no credit card debt but a few credit cards that are open I never intend on using. Is there any way I can close these accounts without hurting my credit? I do not like the idea of having open credit card accounts, for fear of theft of these numbers.

  5. Kori August 3, 2013 at 3:38 pm Reply

    I want to get a credit card to build up my credit, but am unsure where to start! This is mainly for building up my credit so I’ll prolly just be getting a computer for school, cause I need one, and gas every month and then paying it all off right away.

    What would you suggest?

  6. Jesse September 4, 2013 at 11:29 am Reply

    Im a junior in college and today I applied for 4 different student credit cards online from Discover, Citi Bank, Bank of America, and Wells Fargo, and got denied by all of them. They said they will send a letter home in a few business days to let me know why I was denied. Even though I have never had a credit card before, I do have a credit score of 659 which is rated as fair. I do have student loans out in my name of about 20k but my sister has over 50k in student loans and still got accepted for a credit card. Im 20 and shes 23. Why do I keep getting denied? I’m employed and my credit score isn’t horrible. Are these denials going to hurt my credit score?
    I know i don’t have any credit history and I probably only have a credit score because of my student loans, but isn’t that what student credit cards are for? How can i build my credit if no one will give me a credit card?

  7. Edelmira September 13, 2013 at 11:09 pm Reply

    I want to open my first credit card to build some credit. Will the bank close my credit card when graduate from college. i know you should keep your first credit card if it has good credit. so should i open a student credit card or a different one?
    Yes, im 19. thanks for the info.

  8. Hilton September 21, 2013 at 1:40 pm Reply

    I have two student credit cards, both from citi one for $2000 and the other for $1200. They are both nearing their credit limits and i was late twice on payments so both of my interest rates are at 32%. ive tried to talk to citi about lowering my rate and transfering my balance but they say i cant at this time. i can keep up with the minimum payments for now but not much more and with each month my interest rates keep bringing me closer and closer to my credit limit which i do not want to go over. What do you suggest I do? Do you think i can try to go to a bank or different company and transfer my balances. i would think they could tranfer the balances to a $3000 card with a lower rate. im not a homeowner either. and not yet 21. so other loans are not an option to pay them off… HELP!!!!

  9. Deane September 24, 2013 at 1:05 am Reply

    I’m a little confused is it ONLY if you’re penalized? I’m thinking about getting the Discover Student Credit Card but how do those interest rates work? Every month or only when penalized for being late on payment?

  10. Clelia September 26, 2013 at 11:07 am Reply

    I’m going to be a fresman in college and I want to get a student credit card for emergency things. i’m not going to go wacko with it, i’m really good with money. Anyway I was supposedly pre approved for this discover student credit card, but i got a letter in the mail which said i wasn’t. Anyway, are there any reliable credit cards out there that i can get even if i don’t or never had a job???

  11. Debrah October 5, 2013 at 8:46 am Reply

    I am currently a college student with 2 checking accounts (Wamu- 3 years & BOA- 1 year) and 1 credit card (Citi- 1 year). I have always met the requirements for my checking accounts and paid all my credit card bills on time. As for loans, I do have about $10,000 of student loans in debt. I was wondering if it is okay for me to get another credit card. Also, many say that having a lot of credit cards are bad for you. What is the reccomendation of how many bank accounts and credit cards should I have so that my credits would not go down? Thanks in advance!

  12. Franchesca November 19, 2013 at 5:24 pm Reply

    Ive appled for credit cards and previously been turned down because I’m only 19 I’m wondering if I would be able to if I was in college. I recently enrolled and am taking courses online. I was wondering if that counts to get a student credit card. The school im in is US Career Institute.

  13. Tonie December 5, 2013 at 2:51 pm Reply

    I’ve had a secured credit card from Capital One for the past 2 years, I want to move on to a regular credit card. I’m considering Victorias Secret? Or should I stay away from department stores? I’m also a senior in college, maybe there are some good student credit cards? Thanks 🙂

  14. Richard December 23, 2013 at 7:30 am Reply

    I’m a new credit user, I financed my dog for 2,043 exactly no I didn’t finance him through Petland, I financed him through a different company. I need to know this because I am looking to get a new house by the end of spring next year and I need to be able to have a high enough credit score for it! I’m also looking to pay off my dog by the end of June, I do not make late payments on him and am looking for a Credit Card from wells fargo without having to sign. Don’t say I have to sign, i’m very aware you do not HAVE to get a 21 year old to sign once some credit is established and if you have a stable job and a high enough credit score. I can recieve a student credit card.
    I didn’t ask if I had the financial means for the house, I am in college at the moment and my fiance is in the marine corp. So im sorry if i didn’t make my question clear.

  15. Ai December 29, 2013 at 9:51 pm Reply

    I’ve been receiving a lot of mail with information offering me student credit cards. I am going into my sophomore year at University of Houston and I would like to get a student credit card to help me build up my credit which is currently non existent. I have been working at a new part time job for the last month and a half. My parents have also said that this would be a good idea to help me build credit. What all do I need to be approved for a student credit card? Thanks!

  16. Kasha December 31, 2013 at 3:29 pm Reply

    I want to get a credit card to purchase a laptop and to build credit. What is the best card I could get with the most benefits and best interest rates?

  17. Aron January 3, 2014 at 1:16 am Reply

    I would like to obtain a credit card. Preferably not a student credit card because I’d like to use it within the next two weeks rather then wait till the fall. I have no credit and I am 18 years old. I’ve had a checking account for over a year now and I am employed and make enough money to support a credit card. Which credit card can I get with this following information. Looking for an unsecured credit card not a secured. Thank you.

  18. Bennie January 18, 2014 at 11:18 am Reply

    1. What are the important factors to consider when selecting a credit card?

    2. Why is it important to shop for credit?

    3. Do you think that high school students should have credit cards? Why or why not? Explain your answer.

  19. Ping January 19, 2014 at 12:59 am Reply

    I just turned 17 and I want to get a credit card so I can build some credit by the time I turn 18. Can I have some suggestions where I might be able to get one?

  20. Lauren February 16, 2014 at 11:07 am Reply

    I’m about to apply for a student credit card today vi credit union because I’m opening an account there today also. I’m getting a credit card there because their known for the lowest interest rates.
    I have a job on campus and I get paid 8.25 an hour. Also I work 17 hours a week.
    I know as of the CREDIT CARD ACT I can’t get a card without a co signer or proof that I can actually pay back whatever I spend.
    I asked my mom to co sign for me today but she’s a little “if-y” about it. One she doesn’t have excellent credit and two she doesn’t want them to check her credit.
    My question is, do they check the parents credit before letting them co sign IF the issuer even lets them co sign at all?

  21. Frederick February 20, 2014 at 5:35 am Reply

    In regaurds to credit card fraud. Are all credit cards protected against fraud? So it doesn’t matter what credit card you have, you can always disbute a bill or a charge to the account?

  22. Ethan February 21, 2014 at 11:52 pm Reply

    Hello, I am a Sophomore in College and am looking to get a small credit card to help build my credit. I want to get it and just put small recurring charges (like hulu+, netflix, etc) that I can payoff each month to hopefully build up some decent credit. Does anyone have any tips or tricks or suggestions? Thanks 😀

  23. Rogelio February 22, 2014 at 1:40 am Reply

    There are many choices and im having trouble finding the best possible student credit card for me? No annual fee and a low apr is the highest factors,no penalty grace period would also be a factor, and cashback would be nice but is not that high of a priority. I have an account at Midwest America Credit Union, so preferably I would want it to be from a credit card company and not a bank. I would love input on what you feel is the best credit card for this situation, thank you very much!
    no, I am aware of how easy it would be to get into debt and all that, im getting this to build good credit, no for impulse purchases

  24. Jessi February 22, 2014 at 2:10 am Reply

    i have no credit history, so how do i go about getting a credit card?

    i plan to pay the bill off every month, so will i get charged?

  25. Ali February 22, 2014 at 4:50 am Reply

    You know, for emergencies and all that?

  26. Tawanda February 22, 2014 at 4:51 am Reply

    I’m a college student, (12 units this semester) and i just got a part-time job. I was wondering which is the better student credit card, CITI or DISCOVER? These are the student credit cards i’ve been looking at and it’s hard to compare. So, i need an opinion to which bank/credit card is the best overall. Tell me the pros and cons to the card you know about. And another question, is low APR a good thing? I know APR is the prime rate but what the hell does that mean? i looked up the definition and it was no help. so, please someone help me and answer my questions. Thanks!

  27. Rosann February 22, 2014 at 4:51 am Reply

    anyone know of a credit card when you have bad credit?

  28. Domingo February 22, 2014 at 4:51 am Reply

    I understand that under the Card Act I either need a co-signer or a proof of income when applying for a card. I just applied to my credit union and sure enough they said they would only consider it if I get a co-signer. However, if I show them recent pay stubs, that proves I am earning money every month, that should help me get it, right?

    I also don’t turn 21 until November. Should I just wait until then and apply for a student credit card??
    I mean *co-borrower

  29. Richard February 22, 2014 at 7:38 am Reply

    Hey guys,

    I just turned 18 a few weeks ago and I would like to get a credit card to start building credit!

    I was wondering if anyone had any good credit cards that are easy to get if you have no credit and no job. I do have a few thousand in the bank though (I work under the table for my dad). I am going to college this fall.

    I just want to build credit and maybe get some rewards too! I don’t want to pay an annual/monthly fee. The interest rate doesn’t matter because I plan to pay the full amount each month since it won’t be very much.

    I was also thinking of getting a card or 2 from stores I shop at, Victorias Secret and JC Penny, but the victorias secret application asked for my income so technically for tax purposes it’s $0, so I would be denied a card..

    I would just like to mention that I have a checking account as well as a savings. And I also have a debit card through my bank.

  30. Jolanda February 22, 2014 at 8:16 am Reply

    i just turned 18, and im about to start college. im looking for a credit card but i was wondering what a student reward credit card?
    nobody answered the question. i still want to know what a student reward credit card is

  31. Virgina February 22, 2014 at 8:16 am Reply

    I want a student credit card but I am still in high school. Senior, actually. In order to get a student credit card, must I be enrolled in college first or what? Cause I want to start building my credit by the time I enter school in the fall of 2008.

  32. Granville February 25, 2014 at 10:52 am Reply

    I just turned 18 and I wanted to get a credit card with a limit of like 300.00 just to get a start on getting my credit built. I do have a job and i usually work about 30 hours a week. So I would have to money to pay it off every month, plus i just want to use it on gas. This was I can get my credit built up so when i get ready to buy a house i shouldnt have a problem. Well anyways, Can anyone help me with a good suggestion for a credit card, I tryied American Express and capitol one and they both declined me.. Does anyone else have a good credit card? It would be very helpful =)

  33. Jerry March 9, 2014 at 3:57 am Reply

    I wanted to apply for a credit card that is unlimited and just a good one.my friend got a credit card thats unlimited and i wanted to know where i can get one at?i need it for college.thanks!

  34. Alonzo March 9, 2014 at 5:32 am Reply

    what is deffrence between student credit card and secured card?

  35. Charlott March 18, 2014 at 11:22 pm Reply

    Everywhere I look, APRs are high. I applied for Bank of America, World Points Mastercard with a preferred APR of 15.99%. The preferred APR I recieved was 20.74% for purchases after the promotional period. misleading…

    What I would like to know, is how normal is this, and what can I do to get a lower APR. Should I find a different card or live with it? Thanks!

  36. Tarsha March 25, 2014 at 4:33 am Reply

    I am 22 years old, work full time, and attend school part time. I make 32k-33k per year and want to start to build a credit history. The ONLY reason I even want a credit card is to build credit history but I can’t qualify because I have NO CREDIT. This is such a ridiculous catch-22. What do I need to do to get the ball rolling?
    I appreciate the answers so far. The thing is, the cc I applied for was a student card. In other words, it was meant for people with little or no credit. I can’t imagine very many students make as much money as I do (I know that sounds terrible), so i’m not really sure who these cards truly are meant for…

  37. Micah April 9, 2014 at 2:23 am Reply

    im a freshmen in college, i have a part time job. i also have a bank account. my banker asked me if i want a student credit card. can anyone tell me what that is?

  38. William May 2, 2014 at 8:05 am Reply

    I’m so confused. I”m getting to the age where the option of having a credit card is drawing near.

    I’ve been looking at different cards, but I can’t seem to make heads or tails of the terminology. I would love if someone could explain these things to me.

    Also, what are your expiriences with credit cards? Any good companies to go with? Should I even get a card at all?

  39. Enid May 4, 2014 at 11:16 am Reply

    So I just received my financial aid for my freshman year at my csu (13000 through fed, and then 8000 through scholarships) so I’m pretty much payed off. I have about 3000 to spend on school supplies and a cheap car. I’m paying off the rest of my unsubsidized loan which will be low, and then probably paying off the 1000 that will be left. Is this a good plan? I basically have a full ride, so I don’t need money atm but I do wanna work on raising my credit score early. I’ll be 18 soon and I was thinking of getting a student credit card just to charge small items and just use.money from my savings account to cover it. If I didn’t have money in hand, I wouldn’t charge it. Is this a good plan? Or should I wait till sophomore year? And what banks offer the best rates and incentives? And if I wanted to could I get the card but say not use it for months at a time? I def don’t want to mess up my first credit card. Oh also, I don’t have a parent to cosign, what will happen?

  40. Jerrod May 4, 2014 at 11:17 am Reply

    So I have no credit. I go to apply for a credit card so i can build my credit..but i cant get approved since i have none..anyone know of any credit cards that i could get to help build my credit??

  41. Lupe May 4, 2014 at 11:17 am Reply

    I’m currently in college and I want a student credit card so that I can start to build up my credit, there are so many different options out there and I just don’t know what one to go with… Really what I want is a company with good customer service b/c I can’t stand when ppl don’t actually help me or they just don’t even LISTEN. I want to know what card or cards you guys have had and what your experience’s have been with the company.
    -Thank you

  42. Britt May 26, 2014 at 2:33 pm Reply

    Does cancelling a credit card or a store card affect my Credit History. If so, how?
    Well, I have been having all my card for the past 6 years and I always pay off the full amount when due every month and no defaults 🙂

  43. Erasmo June 4, 2014 at 8:25 pm Reply

    Hey Yahoo! World, I’m a very responsible 18 year-old looking to get my first credit card before going to college in mid August. I’d love it if one of you could tell me of a card, if one exists, that I, as someone who has virtually no credit and is about to enter school, could get. I’ve had cards before, so I know how they work, but they were in my dad’s name. Any suggestions would be nice but I’m not looking for criticism- I want to build credit and have an alternate method of paying for things, especially gas and entertainment. Thanks in advance!

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