The Reduction of the Average Student Credit Card Debt

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The Reduction of the common Student Credit Card Debt

Once the average student results in college, he or she is in credit card debt for about 22 hundred dollars. This article will offer you a quick technique to work with the reduction of the average student credit card debt.

The majority of Americans have a variety of credit cards in their wallet and each of those different credit cards has a different rate, diverse balance, different obtainable credit limit, and different phrases. It is very hard to maintain all of these figures right so grab certificates and a pencil. You will create several columns to track all of the info that you need. Set up several rows on the notepad and write down the name of each of the credit cards which you currently possess. For columns, use the following categories: your existing balance, your available credit limit, your interest rate, virtually any balance transfer charges, monthly minimum payment and your payment output deadlines.

Putting down this article allow you to see your entire credit card debt in one convenient location and will allow you to see the big picture. It can give you a sense of how much financial debt you have along with just what your total monthly obligations are. You will want to see what your lowest interest rate card is of course, if you have any accessible credit left on this along with a balance transfer fees. You will transfer quite as much of your highest rate of interest credit card debt onto the cheapest interest rate credit cards. This will allow you to save money about finance charges every month.

The next thing within reduction of pupil credit card debt is to find out how much money you can put toward your credit card payments on a monthly basis. If you find room inside your spending habits to cut out non-necessary things such as added trips out to dining places, you should take this particular money and apply it in your credit cards with the maximum interest rates. For the credit card repayments you have, make the minimum payment on every one except for the highest interest card. Put as much money from the budget as you can towards this credit card. Once you have paid back this card, turn your own attention to the next highest interest rate credit card and proceed this plan of attack on all credit cards from there on out.

Following this plan of attack will help you to minimize your finance costs every month while paying off your credit cards as fast as possible. Organizing your finances using the piece of paper from above is normally very enlightening for folks because they don’t have an concept of any idea the things they owe. This is partly the reason why no one posseses an idea of what their particular overall credit card debt is like. If you have five or six charge cards and are making the particular minimum payment, you probably don’t look at the big picture as often as might be necessary. Good luck lowering your student credit card debt.

Comments: 90

  1. Tessie March 1, 2013 at 4:08 pm Reply

    I am 26 and I spent 3 years substitute teaching full-time- thus paying into teacher’s retirement. I have a little bit of outstanding debt that I would really like to wipe out. I have a $2500 balance on a credit line with high interest, about $600 in store credit that is already in collections, and about $300 in utilities that is very late. My retirement balance is about $5500 and if I withdrew from it, I would get close to $4000.

    I am no longer teaching and at the moment, I do not see myself going back to it. I know most people will say don’t touch my retirement but I feel that wiping the slate clean would relieve a lot of stress.

    My current expenses are not what is the problem, I work full-time and make enough to pay rent, utilities, my small credit card balance, car payment, student loan payment- it’s the past debt that I wracked up that I just can’t seem to get a ahold on. I feel like being out of debt now, is more important than saving for retirement. I also want to start fixing my credit and I can’t do that until I wipe out the things I am struggling to pay.

    Any thoughts would be great.
    I understand what you are saying- the thing is that I can’t really get another job- I already work full-time. And I can’t transfer the credit balance because it is line of credit, not a credit card. I can’t transfer it and I can’t set up a payment plan. My minimum payment is only paying the interest on the damn thing. I know how much I would lose if I withdrew, I am okay with that because then I could actually save extra money each month rather than using almost every penny to pay off old debt.

  2. Frances March 11, 2013 at 10:22 pm Reply

    I’m a college student who gets straight A’s and work a part time job. I was a little irresponsible with my credit cards and am $4,000 in debt. It’s starting to hurt me financially because I have to make such big minimum payments and the interest is really high. I am going to try to consolidate it but in the meantime what can I do so I don’t stress out about this? It’s starting to make me feel really depressed.

  3. Raymond March 13, 2013 at 2:47 pm Reply

    Just looking for some outside advice. Someone looking in on my financial situation.

    My wife and I were given a great opportunity.

    Our debt:
    My car 16,000$
    Her car is paid off.
    Her student loan approx 3,200$
    Furniture 2,900$
    No credit card debt.
    Planning for a child within next year.
    Savings 13,500$ approx saved within 9 months.

    Our savings track will still be going a the rate we are saving now approx 20,000$ in a year.

    Student loan would be paid in next two months. The furniture is 0% interest.

    We do not own a home however would love to purchase one once we get back home.

    My wife does not work and still going to school.

    I am in the military so my school is paid for and her school is cheap enough for us to pay out of pocket and then soon she will be able to use GI Bill avoiding students loans in all.

    Should I save for this baby we plan on having?

    Should I pay more to my car to clear this debt?

    I have a retirement for myself that I am thinking of transferring to a Roth IRA, should I?

    We are 24 years old and I myself earn about 65,000 a year after tax deductions. This oppurtunty can be taken at any year as I am voluntary on an assignment.

    My original goal was to clear any debt ,regardless of what I have in savings at the end of this oppurtunity, so that I went home free of unneeded bills.

    We are also investing in furniture that we can pay off while here so that when we go home less we need to purchase.

    What would you suggest differently if anything. Thanks for your time in reading this.

  4. Kam March 14, 2013 at 6:06 am Reply

    Currently i dont have a job but i’m afraid if i wait till i get a job, the amount will be too great.

    i’ve thought about getting another credit card to pay it off but ive never tried that and i’m not sure it will work.

  5. Digna May 4, 2013 at 3:51 am Reply

    I have 5 credit cards with different limits and rates.I’m in the process of paying them all off, however I know you need to have balances on your cards for healthy credit. How many cards should have a balance and how many should be unused?
    @Stephen, if i have no balances, then what’s the point of having credit cards to begin with? How else will I build credit history?

  6. Eugene May 30, 2013 at 8:49 am Reply

    I have some credit cards I have not used and want to cancel them so, I can up my credit score.

  7. Mike June 2, 2013 at 4:49 pm Reply

    I’m going to have a booth at an arts and crafts fair. I’m not sure how to accept credit cards. do i have to go with the manual cordless credit card machine or are there more options. thanks

  8. Eugenio June 2, 2013 at 5:41 pm Reply

    What is the ideal number of credit cards to get the best possible fico score. I don’t have late payments on my mortgage or credit cards. Thanks for the help

  9. Tonie June 2, 2013 at 5:49 pm Reply

    I am applying for a secured credit card after bankruptcy (due to medical bills), Is it to my advantage to get 2 or 3 secured credit cards to build history or only use one? I dont really need or want any loans/credit cards right now and I am big on paying cash but I need to rebuild my credit rating. Will 2-3 secured cards build my credit faster then 1 secured card?

  10. Valentin June 2, 2013 at 9:47 pm Reply

    If someone is unable and doesn’t make payments on several of their credit cards, what can a credit card company do to you? Are they able to take your car? Your home? What is the most they can do to you?

  11. Jill June 3, 2013 at 5:04 am Reply

    When I turned 18 I knew I needed credit cards to grow credit. When I reached the $500 limit on my first card and the $2000 limit on my new card when I found that this was not good for my credit. I hear that as long as you don’t spend more than half of the available balance your credit will be fine. Is this true?

  12. Idalia June 3, 2013 at 5:15 am Reply

    I have three credit cards but only use one, and pay it off in full every month. I am planning on making a big purchase at Best Buy and can save a lot of money if I open a credit card with the purchase. (I believe like 20% which would be almost $150). I would never use that card again.

    Is it bad for my credit rating to have credit cards that I never use?

  13. Tessie June 3, 2013 at 5:53 am Reply

    I want to compare the different credit cards from citibank and apply online.

  14. Terrell June 4, 2013 at 6:25 am Reply

    I hate credit cards, but need to build credit. I would like to have a prepaid credit card and a normal fico building credit card. No annual fee of course. Then I will spend up to my prepaid cards limit on the credit card and pay off the credit card every month with the amount on the prepaid. Genius or problems?

  15. Apryl June 5, 2013 at 4:36 am Reply

    I am a college student and I want a credit card or two to help start building my credit. What credit cards can I apply for with no credit history?

  16. Maxie June 5, 2013 at 7:11 am Reply

    So my credit score is something like 562. I am looking to get a credit card with something like 2000 dollar limit or lower that wont have unbelievable fees. Does something like this exist? I’ve applied for credit cards over the last year and have been denied each time. Yeah, my credit sucks. What can I do?

  17. Nelson June 5, 2013 at 9:46 am Reply

    Best credit card to get?
    How much do you pay on it monthly on average? Average max spending limit?
    And what affects those things?
    Just basic information about credit cards please.
    I wanted to keep using Chase, do you recommend them?

  18. Allen June 6, 2013 at 10:28 am Reply

    My account was closed by the bank due to number of credit cards I have and high balance. I will be able to close all in 6 months. Can other banks close my credit card accounts as well? What is the best way to handle it?
    Thanks for the answers but my problem is:

    I have one card which was closed by the bank and limit on one other were reduced. I am afraid that this will create a “domino effect” and all other banks will start to close my accounts. How possible is this? Another question is: how bad will the effect of a closed account by the creditor will be on my credit history?

    Thanks guys for your answers

  19. Emanuel June 7, 2013 at 2:24 pm Reply

    I have excellent credit, all 3 scores in the 758 to 798 range. I only have 2 credit cards, but theyre both just basic cards from when I was 18. They don’t offer benefits/rewards or anything. What card can I apply for that gives rewards to people with good credit?

  20. Kerry June 8, 2013 at 12:00 am Reply

    I have four credit cards and I want to put the amount owed all onto one credit card with a lower intrest. I also don’t have very good credit. Any help would be useful. Thanks.
    The amount owed is not more than 1,500 between the four. I always pay double of what the minimum payment is.

  21. Agustin June 12, 2013 at 10:51 am Reply

    I have 4 credit cards (limits are 1000, 3300, and two 500s) and was considering getting rid of one 500 credit card. Should I pay the whole thing off and KEEP it or GET RID of it??

  22. Frankie June 26, 2013 at 12:29 am Reply

    My mom wants to transfer some credit card balances that she has over to a new credit card that offers a lower interest rate. Does anyone know some good credit cards with low interest rates?

  23. Mack July 2, 2013 at 5:27 pm Reply

    As far as I know, credit cards involve paying interest rates to the bank wich costs additional money on top of the purchases price. On the other hand debit cards are free when used in offline and online purchases, so does anybody know why people prefer to use credit cards instead of debit cards ?

  24. Christian July 29, 2013 at 10:18 pm Reply

    I work at Target and one time I rang up this guy that wanted me to charge him $2,000 for a few gift cards and put it on a credit card. Later on my team leader explained to me that he couldn’t go over a certain amount and that the credit card he used was possibly stolen. What would he accomplish doing that? Who else has had experience with stolen credit cards? Who has time to research all these ways to commit fraud? What other things can somebody do with a stolen credit card.

  25. Signe August 2, 2013 at 9:25 pm Reply

    I am ordering something off etsy. I have two gift cards that are like credit cards and can be used anywhere. Is it possible to do too payments in one order to get the total amount? Or will Etsy only let me use one credit card in form of payment.

  26. Bennie August 9, 2013 at 1:19 pm Reply

    I want to try to get a mortgage loan in about 6 months. I have no credit cards. Would it be good for me to get 2 secured credit cards at this point?

  27. Sophie August 27, 2013 at 7:23 pm Reply

    I am new to the world of credit! I currently have 2 credit cards from Bank of America and Wells Fargo for 2 months. Should I still apply for another one or two or three?? If so, what’s d’ best credit card for the people whos just starting building credit.

  28. Clotilde October 4, 2013 at 12:42 am Reply

    Credit cards are becoming more and more picky about extending credit, and the interest rates are through the roof. What are some other ways I can establish solid credit without a credit card or major expenses? I go to college full time and work full time, I don’t want to get into heavy debt.

  29. Alfonso October 28, 2013 at 5:03 pm 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.

  30. Edelmira November 5, 2013 at 2:39 pm Reply

    I see adverts all over the place for credit cards for people with poor credit ratings, but not good ones. I use my credit card a lot for business travel, and have an unblemished credit history, surely I should get better rates?? The current credit card rates bear no resemblance to the currently low base rate.

  31. Yessenia December 3, 2013 at 1:37 am Reply

    I have several credit cards. Most of them have a zero balance. I do notice the credit card companies keep sending me blank checks wanting me to take advantage of low interest rates theyre offering.
    Will the financial troubles have any effect on my credit cards? If so, what?

  32. Duncan December 15, 2013 at 6:07 pm Reply

    Both personal and small business credit cards would be helpful. Thanks!
    I know through personal experience that American Express DOES require a SS# when adding additional cardholders (at least for personal cards), and that Advanta does NOT require a SS# when adding additional cardholders.

    Personal experience with additional issuers would be helpful.
    Please provide specific credit card issuers. Thanks!

  33. Brandon December 23, 2013 at 9:29 am Reply

    What impact does closing credit cards have on your credit score?
    I have a number of credits that I am not using. What impact if any would closing some of these accounts have on my credit score?

  34. Alfredo December 23, 2013 at 9:45 am Reply

    I get some credit cards I would like to pay off as soon as possible. I read that you should pay the card with the higher interest rate first and then pay the minimum payment on the other cards. I like the idea of consolidating all your credit cards and make one payment , as this would make my life easier. Which option would be better, pay off each credit card or consolidate?

  35. Sean December 23, 2013 at 9:51 am Reply

    How can I build my credit up without aplying for credit cards? I curentnly have a car loan and a personal loan.
    My CR says I dont have enough revolving something.

  36. Annetta December 24, 2013 at 6:29 pm Reply

    I have a few personal credit cards and I want to consolidate them. I am also self-employed, but I dont’ have a business credit card; although I get LOTS of ads for them in the mail. I’ve always wondered, what is the difference? Are there different rules or fees? Can you only use them for business purchases? Do you have to spend a certain amount to keep them?

    Any advice appreciated…

  37. Candie January 11, 2014 at 10:46 am Reply

    First time dealing with credit cards need as much info as possible.

  38. Emanuel January 25, 2014 at 3:59 am Reply

    I am 22 and looking to apply for my very first credit card. I don’t have very good credit since I’ve tried applying for store cards before and they’re always declined. I would like to have a credit card now since I’ve got two jobs and might need a credit card in emergency situations. Thanks for your help!

  39. Cristopher January 28, 2014 at 12:28 pm Reply

    ok im planning to use my credit card gift card on a rhapsody subscription online. how would i be billed if I use a credit card gift card like an Amex gift card? would a bill be sent to my home(that wouldnt make sense cuz im paying with a prepaid card)?
    i mean when i use it online? will something be mailed?
    how will the online retailer know its a credit GIFT CARD?

  40. See February 2, 2014 at 6:20 am Reply

    Can you get a debit card or credit card at age 16 ? If so which is the good option Credit or debit card ?

  41. Wm February 4, 2014 at 4:25 am Reply

    whats the difference between credit cards and the reward credits cards??? and which one is better?

  42. Renay February 5, 2014 at 8:35 pm Reply

    what is deffrence between student credit card and secured card?

  43. Sean February 20, 2014 at 11:52 pm Reply

    I have two credit cards that have very high balances on them and I was wondering if there is a credit card out there that is just for credit transfers. I would like to transfer both my credit card balances on to one card so then I would have just one payment a month.

  44. Wilbert February 21, 2014 at 5:49 am Reply

    I want to know if anyone has personally applied for a credit card having no credit history at all. i have applied for bank of americas student card and got denied also i applied for discover card and got denied even though it say no credit history required??

  45. Hung February 21, 2014 at 12:49 pm 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?

  46. Corinna February 21, 2014 at 1:09 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 🙂

  47. Ned February 21, 2014 at 1:27 pm Reply

    What are some shooping stores to apply for a credit card???

  48. Jo February 21, 2014 at 1:55 pm Reply

    I’m turning 18 in 2 weeks and i was wondering if i would be able to get credit cards?? i saw online that i could get one for up to 5000 dollars, is that true?? i dont believe everything i read so i was just asking, and i dont want to hear thats its going to ruin my credit, i plan on putting a ton of money towards it every month, if anything it will build my credit, so any advice? or good brands of credit cards i would qualify for?

  49. Guadalupe February 21, 2014 at 7:23 pm Reply

    1.I have a credit card with Aus$2100 credit but the laptop i want to buy is Aus $2500 will they(dell computers) accept my credit card?
    2.Will the bank (HSBC) allow the transaction of buying a computer that is over my credit limit?
    CREDIT CARD credit limit problem?
    1.I have a credit card with Aus$2100 credit but the laptop i want to buy is Aus $2500 will they(dell computers) accept my credit card?

    2.Will the bank (HSBC) allow the transaction of buying a computer that is over my credit limit?

    (I do not mind paying overlimit intrest fees to the bank.But wheather that will affect dell accept my credit card im not sure) pls help

  50. Codi February 21, 2014 at 7:44 pm Reply

    i had a thought of credit, but im unsure if a debit card is a credit card. i used my debit card ( when i had a job ) to withdraw money from my account. i had left $18.34 i wanted to take out $10.00 dollars for a purchas without taking my card with me. but when it asked how much withdraw it only went up to $20 dollar withdraw. so i withdrew 20 and owed my bank 2 dollars. that ended up going up within a few months. my question is does that count as credit? if so i didnt know and i do have a bad credit score…lol thanks and no rude comments please, it was my first time having plastic and didnt have a clue how to use it. i got it cause a friend told me it better to lose plastic than to lose all ur money ( bills ) if i got jumped..

  51. Boris February 21, 2014 at 8:23 pm Reply

    What can you do with a credit card?

  52. Dino February 21, 2014 at 8:23 pm Reply

    I want to apply for a credit card but I don’t know about credit card companies which provides best credit card.

  53. Ping February 21, 2014 at 8:23 pm Reply

    My dad pays for my credit card… is it possible for me to take out money from my bank account using my credit card?

  54. Everett February 21, 2014 at 10:29 pm Reply

    like what kind of credit card /company should i aply for?….explaind diffent type of credit card…like gift card or um…planium card and stardard cards…and is it safe to use it online …plezz hepl me im clueless

  55. Berneice February 21, 2014 at 11:52 pm Reply

    Wireless credit card terminals continue to gain popularity among small and large businesses.Historically, mobile credit card terminals have developed hand in hand with all the advances of the cell phones industry.In short, wireless credit card terminals (or virtual credit card terminals) offer the merchants very convenient way to accept debit or credit card payments outside of the office, warehouse or any other place of business. In addition, recent developments and technology made it possible to have the wireless credit card terminals only without any need to install a regular stationary “point of sale”.So the only things a merchant needs are the smart phone and a wireless credit card terminal.

  56. Maxie February 22, 2014 at 12:43 am Reply

    entering college as a freshman, i have no credit history. so when should i get a credit card?

  57. Charlie February 22, 2014 at 1:29 am Reply

    i have horrible credit but i need a credit card. is there any way i can get one or no?

  58. Migdalia February 22, 2014 at 4:05 am Reply

    What exactly is a secured credit card?

  59. Pedro February 22, 2014 at 4:31 am Reply

    I am looking for a good student credit card to see my through college. Where can I go?

  60. Kecia February 22, 2014 at 6:15 am Reply

    does anybody know where you can be 100% approved for a credit card with bad credit and without me sending them money or them giving me a limit of $300 and after the bla bla bla charges only have $50 left?

  61. Keila February 22, 2014 at 6:15 am Reply

    i want a unsecured credit card that i will get approved no matter what and not have to pay anything to get it activated and to use it, for instance imagine card makes you use a banking account and pay the 5 bux before you can use it. is there any credit cards that you get approved no matter what and not have to pay a proccessing fee?

  62. Valentin February 22, 2014 at 8:41 am Reply

    What creditor can I get a credit card through…even department store just to use as a rebuilder? Score is about 500

  63. Raymon February 23, 2014 at 7:49 pm Reply

    My request for a new credit card was rejected. When I asked for an explanation a certain telemarketing person said that I was a credit card tart and that is why my request was rejected. What does a credit card tart mean?

  64. Sophie February 25, 2014 at 3:29 am Reply

    what is chip credit card? Should I take HDFC BANK titanium edge credit card?

  65. Lucrecia February 25, 2014 at 11:26 am Reply

    Friends, pls detailed ingorm me about debit card, credit card and visa card….

  66. Rochelle February 25, 2014 at 12:06 pm Reply

    APR for credit cards? What do they mean when they say credit card introductory APR rate?

  67. Duncan February 25, 2014 at 12:06 pm 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??

  68. Sharron February 27, 2014 at 6:55 pm Reply

    Hi I paid off all my debt except for one which is 137.00 on my credit reports. I wanted to apply for a credit card for bad credit because it says on my credit report that I need to get a major credit card Visa, MC, Discover, or AMEX and pay on it monthly. I do not want to use to card for cash advances! Thank you all answers welcomed.

  69. Willie February 27, 2014 at 6:55 pm 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!

  70. Damion February 27, 2014 at 6:56 pm Reply

    My credit score is 550…I had 2 collections accounts and they are closed. I need to get a credit card but no one will approve me. Can anyone tell me a credit card I can get approved for and it will help me rebuild my credit?Thank you

  71. Brett March 2, 2014 at 10:30 am Reply

    I have been having problems paying my credit card – the credit card company offered me a lower settlement to clear the entire amount. Does doing this hurt my credit rating and score?

  72. Cortney March 2, 2014 at 2:28 pm Reply

    We applied for cred card. But allow a secured credit card. What is the differences. We would have a clear piture if described clearly of both , credit card and secured credit card.

  73. Tarsha March 4, 2014 at 9:27 pm Reply

    Where can I find a prepaid credit card fo help build my credit rating?

  74. Delisa March 4, 2014 at 11:40 pm Reply

    High school kid without a job, no bank info
    Need credit card to get a free xbox 360
    what do I do?

  75. Janelle March 12, 2014 at 1:08 pm Reply

    I am looking for a travel rewards credit card. Where can I go?

  76. Debrah March 17, 2014 at 10:04 am Reply

    I’m 21, I’d like to build credit. I’ve never have a credit card before. I plan on just using the credit card for maybe gas and that’s about it. Which card should I go for? Also I’ve seen that for many you get the first year 0% APR. Is this good? Will it grow credit? Or do I need interest to grow credit? I don’t want a card just for the sake of having a credit card. I want it solely for the purpose of having good credit. Thanks.

  77. Edelmira March 17, 2014 at 10:04 am Reply

    what is a unsecured credit card?

  78. Dakota March 17, 2014 at 10:05 am Reply

    My friend is a minor like me, we’re only 15, but he has a credit card that he uses to buy stuff online, so he doesn’t have to use his mom’s credit card. I was wondering where to get something like that, like a credit card that you fill up with money and you can use it anytime.

  79. Ignacio March 17, 2014 at 10:05 am Reply

    I may get a credit card for young adults.

  80. Columbus March 17, 2014 at 6:19 pm Reply

    I’m 18 and already applied for a non-secured credit card and I got rejected… are there any credit cards that are for starters.

    Btw, I will be attending high school in september. I want to get those students cards, but it seems like they are only for college students.

  81. Reginia March 18, 2014 at 2:05 am Reply

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

  82. Hisako March 18, 2014 at 4:51 am Reply

    is there any credit cards that you qualify for once u turn 18 and dont have any acounts in ur credit history? because im trying to build my credit score… please let me know any store that gives u credit card. thanks!!!

  83. Holli March 18, 2014 at 4:51 am Reply

    I have had a job for two years and now i want to build my credit. i have been told to apply for a credit card but which one to apply for is hard. i dont know anything about credit cards other than you charge now and pay later. what is a good first credit card? i take i have no credit history and im 20 going on 21.

  84. Lesley March 18, 2014 at 4:52 am Reply

    Wheres a good place to get a credit card if you have no credit and no credit score ??ANY SITES??? Or do you know another way to build up your credit

  85. Debrah March 18, 2014 at 4:53 am Reply

    what is the best credit card is the best to start out with

  86. Dario March 18, 2014 at 4:54 am Reply

    Is ATM card and credit card same thing. or debit card and ATM card same?
    what is the main difference between ATM card, Credit card & Debit card?

  87. King March 18, 2014 at 2:12 pm Reply

    Hi there,

    Quick question…For building credit, is there a difference between student credit cards and regular credit cards? Because I’m gonna apply for a new credit card, and I wanted to see if I should choose the college credit card or a regular one….or if it even matter in terms of building credit. Thanks.

  88. Mohamed May 9, 2014 at 1:56 pm Reply

    A family member suggested I get a secured credit card to help build credit for myself. I figured this was a good idea, however, upon looking USAA also has a student credit card. Which one would be a wiser idea for a 18 YO college student to apply for and use for small purchases (I was thinking of just using it to buy gas or occasional groceries)?

    For reference, here is the student card:
    https://www.usaa.com/inet/pages/banking_credit_cards_main?wa_ref=pri_global_products_bank_cc
    here is the secured CD card:
    https://www.usaa.com/inet/pages/banking_credit_cards_secured_credit_card

    I should note I have no credit, and haven’t applied to either yet.
    Thanks for the detailed answers, all! Going to go for the secured card, and use it through community college then advance to an unsecured card!

  89. Greta May 28, 2014 at 11:29 pm Reply

    Where can I find hotel reward credit cards?

  90. Karri June 9, 2014 at 6:59 pm Reply

    Can I get a credit card although I have bad credit?
    Which credit cad?
    which bank?
    How much would be the highest spending limit be?
    I have only had ONE credit card before,(don’t owe much on it),
    but I have a broken lease,that may have been the reason to the low/bad credit.
    What is my options/chances?
    Could I also apply for any of them online.
    I want a decent card,NO scam!

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