Credit Cards
Student Credit Cards; Get This Guide On Student Credit Cards And Learn The First Step To Financial Independence, Money Management Tips, What You Should Know Before Signing Up And More [K] [i] [n]
Myron E. Finn (Kindle Edition) 2011-11-14
Release date: 2011-11-14
Price:
$9.99
Answers
I am unsure of the APR on this card. I wated to know if i should switch to the capital one credit card (their APR is 13.9%)
The Capital One card is a good card but I'd recommend you check out the mtvU card. You can get great rewards for paying on time, getting good grades, etc. Plus, it has a decent APR for a student card.
Pay your card off on time and you won't have to worry about the APR :)
See how you can import bank and credit card statements (qif, qbo, qfx, ofx) into QuickBooks using Zed Axis software. Zed Axis automatically ...
I get confused from all the research.
Which would you preferred to be the best bank for a student credit card?
EASY 10 Points
Chase is wonderful just bought over Wamu and has tons of atms. I have been with them 2yrs and always great if any problems, which is seldome. They are friendly people and I got my first student cc there too!!! Go check them out!!! :)
Price: $59.99
Monitor account balances at a glance, track investments, maintain budgets, and manage money
Set up and organize existing accounts with easy downloading of transactions from most major financial institutions
Intuitive, full-featured personal finance software with easy, powerful, familiar Mac interface
I want to get a student credit card. I'd be using it for everyday purchases. I also plan on going to europe for 2 months next summer and would like to know which kind of credit card would be best for me. I've heard great things about the points system but I don't really know how it compares to a card with cash back. I do all my banking through TD, so I'm looking at their options right now.
Here's what I've found so far: http://www.tdcanadatrust.com/tdvisa/stud ent.jsp
any info or suggestions would be great.
Thanks
Oh ya, one more thing, I'm only 16 and living in Ontario (majority is 18). That's been a major set back for me...
There's virtually no difference:
Travel points:
$1 = 2 points
$10,000 = 20,000 points = $100 in travel.
Rebate 0.5% on first $3000, then 1%:
$10,000 = $85 rebate
The rebate happens automatically. You don't have to wait for 20,000 pts to accumulate. You don't have to spend it on travel, but you can.
Go for a rebate card.
Price:
$9.95
$9.95
I have a bank of america debit card but am looking to get a credit card. I am a student in college and pretty responsible with money. I have a job but not too smart on credit cards. Does anyone know anything about this card, whether it has a good interest rate etc..? also what things lower your credit score. obviously not payin on time but any other tips could help. and please dont tell me not to get one im not asking for a parent im asking for help
Depending on which student credit card you apply for the rates start at 14.99% and up. And they offer CC's to full-time an part-time students. There is no annual fee, and even though the rate is higher than some other cards...you can use it to build up your credit profile if you haven't really established credit. If they're rates are too high, than you may try Citibank, that's who i got my first student credit card from.
As for tips...don't charge more than you can afford and pay it off at the end of the month. In my opinion, credit cards aren't bad, you just have to live within your means and should you be fine. Using common sense, having discipline, and delaying instant gratificaiton will help and prevent financial turmoil.
Hope this helps.
I am a college student trying to build my credit history. While shopping for credit cards, I notice that banks offer student credit cards for college students. Should I go with the student cards or with the regular credit cards? Is there a difference? I saw that some of them have a higher APR than the regular ones. Since this will be my FIRST credit, I may not have enough credit history.
Without a strong credit history it will probably be easier to get the student card although most likely it will have a higher APR and fees. You should base your desicion more on the APR because it can really vary from card to card. If you dont plan on carrying a balance (which is the smartest thing) the APR may not matter as much. Also check if there are annual fees and what happens when you make a late payment. A lot of cards can almost double the interest for one late payment so be cautious! Remember that it's borrowed money not free money. Once you get some history and keep it in good standing you will be able to get better cards so just keep one or two until then.
Buy Cheap
credir card for high school student
Students in high school that are looking to start building their credit early can get high school student credit cards. These credits cards can help teach high school students responsibility, and how to manage their credit at an early age. These types of credit cards are issued to high school students, with a parent or guardian co-signing with the student. Students who have these credit cards also have a sense of responsibility as well. Before applying for a high school student credit card, both students and co-signers should always look at their available options. There are a lot of banks and credit card companies to choose from, which makes it in your best interest to look around. Some cards will come with high APR and a high annual fee, while some are more reasonable. With high school students not having any credit, some banks and companies will try to charge unreasonable rates - which is reason enough to do your research and know the best deal. Co-signers can normally help students to make the best decision. The co-signer will be going on the application with the student, and will be the individual that the bank or company will come to when the student is unable to pay the bill. Parents and co-signers will know the best deals for credit cards, which is students should always ask them for help when picking out the ideal credit card. For some students, prepaid credit cards can be an ideal investment. These cards hold absolutely no risk for students, while they help to teach financial management as well. With these high school student credit cards, the prepaid amount you have put on the card is your spending limit. To ensure that the application for is filled out correctly, students should always have a parent or guardian assist them with filling the information out. When a student gets their credit card, they should be instructed on how to properly use the credit card. Although some students will be tempted to run up their high school student credit card, they should save it for emergency situations. At the end of the month, they should try to pay their whole bill, to avoid getting into debt. If a student can pay the bill - it will also help boost their credit. If you are interested in a high school student credit card, you can always apply for one online. The applications are processed in a timely manner, normally giving you a response in a matter of minutes. Although credit cards are great to have, prepaid credit cards are sometimes the way to go with students. If you are unsure - make sure you look into all options available to you and compare what you find out.
...News
Should Balloon Boy's Parents Have to Pay Up?Washington Post - Oct 22, 2009
Should Balloon Boy's Parents Have to Pay Up?We have always kept our finances separate, except for one credit card. He has enormous credit card debt and student loans. I have some credit card debt, and more »Philadelphia Inquirer - Oct 12, 2009
Credit.com NewsDALLAS - When I was a young college student, my banker dad helped me get a student credit card and told me it was time that I started building Scott: National economic security starts at homeall 186 news articles »
Reuters - Oct 23, 2009
Capital One, Citi and US Bank this week eliminated introductory APRs on several cards. Meanwhile, the Federal Reserve said loan demand remained "weak orSeeking Alpha (blog) - Oct 22, 2009
CBC.caWells Fargo & Company Q3 2009 Earnings Call TranscriptOur $23.6 billion credit card portfolio is only 3% of total loans, significantly less than other large bank peers. Our credit cards are sold primarily to Highlights From wfc's Q3 Conference Call: Continued to Generate Earnings and all 1,706 news articles »
Minneapolis Star Tribune - Oct 18, 2009
Far too many students have graduated with the burden of meeting monthly credit card debt even before they start repaying their student loans. and more »PR Newswire (press release) - Oct 23, 2009
Earthtimes (press release)Noninterest income for the third quarter of 2009 also included $273000 in pre-tax gain on the sale of student loans, which resulted from the Company's sale US Bancorp Reports Net Income for the Third Quarter of 2009US Bancorp reports higher net incomeall 766 news articles »
Washington Post - Oct 23, 2009
Layaway: While layaway is better than credit card debt, one potential problem is that, if you can't make the payments, you lose whatever money you have paid