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Student Credit Cards and Cashless Lunch Payments
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People apply for credit cards primarily for one purpose – to enjoy convenience and ease in their business transactions. Today, the concept of quick and easy transactions is now being introduced in schools and colleges in the US through the cashless payment systems.
If you’re not familiar with cashless payment systems, you may be surprised that this mode of payment does not involve cash at all. Students do not need to fall in a long anymore just to wait for their turn to pay. With this new payment system, students simply have their fingerprints scanned and check out with their lunches.
This new system uses biometric fingerprint scanners to identify and pull up the student’s account. Afterwards, the amount of purchase will be automatically debited from the student’s personal account so there’s no need to fumble for cash and wait for a change. Continue Reading »
Student Credit Card Application
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Student credit cards are especially created for college students who are trying to obtain credit for the first time. If you are a student, why should you apply for a student credit card? Primarily, student credit cards are tools for building personal credit history. But why should you establish your credit history while you’re still a student?
Why Students Must Establish Credit History
An individual’s credit report measures an individual’s credit worthiness. After you graduate from college, having a solid credit history to back you up will certainly work to your advantage. Potential employers and even prospective tenants would surely be more impressed if your credit report shows how you have been responsible in handling your accounts and dealings with your creditors. Obviously, it would be a lot easier to get hired for the job you want or get accepted for the apartment you want if you have a credit history. Continue Reading »
The Different Types of Student Credit Cards
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It is true that not all student credit cards are the same. This is why shopping around and comparing is important. Whether you’re a parent looking for a credit card for your college student or a student planning to apply for your own credit card, this article presents potential student credit cards that you may consider. Don’t forget to check out the full list of Terms and Conditions to learn more about each credit card’s rewards program.
The Citi® Upromise® Card.
This is credit card offers 1% of college savings on all purchases from any establishment, and 2% of college savings for gas purchases made at Exxon and Mobil stations. It also offers 10% college savings for purchases made at affiliated groceries and drug stores. It also comes with a 0% introductory APR on balance transfers for 12 months and has no annual fee. Continue Reading »
Common Student Credit Card Mistakes
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Some people are hesitant to get credit cards for students thinking that owning often leads to bad credit. In worst cases, some students even had to file for bankruptcy because of uncontrolled credit card debt. But this doesn’t need to happen in your case. Owning a student credit card has its advantages and by avoiding these credit card mistakes, you can eliminate the risk of bad debt.
Signing up for card without doing comparison. There are many available choices of college credit cards in the market. Unfortunately, many students rush into signing up with the first credit card offer in their mail. But what seems like a good deal at first may end up to be a bad deal once the promo period is over. This is why students are advised to compare each student credit card that they’re considering before making a final choice. Continue Reading »
Things to Look For In Applying For Student Credit Card
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With so many different student credit cards in the market, how can you pick the right one for you? Here are some factors that you should check on:
The APR. A lot of credit cards for student comes with a 0% APR introductory offer. Before you sign up, make sure that you understand where the zero interest is applied. The 0% APR may only be applicable to purchases or balance transfers while other cards may give the zero interest on both.
Furthermore, make sure that you are clear about how long the introductory promo lasts. Some credit cards offer only 3-6 months while others may offer a much longer introductory period. Continue Reading »
How to Deal with a Stolen Credit Card
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It’s true that purchasing with a credit card is lot more convenient than using check or cash. Students with a credit card can easily make online purchases or make online reservations, get the chance to earn rewards and start building an early credit history of their own.
But what about the risk of fraud and theft? If you’re a student, you should be aware of how to avoid losing your student card and what you can do in case of loss or theft. Consider the following pointers:
• Put your credit card in a safe place. If you’re staying in a boarding school, make sure that your student credit card is kept in a safe place. Never leave your wallet unattended and make sure that your locker is securely locked in place. Continue Reading »
A Practical Guide on Student Credit Cards for Beginners
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Are you a student pursuing college? If so, ever thought about getting a student credit card? Others may have doubts thinking that a credit card only leads to bad debt. However, when used responsibly, a student credit card can bring many advantages.
Student Credit Card Advantages
Easy approval. Getting approved for a student credit card is easy and quick. Unlike regular credit cards, having a credit history or a source of income is not required. Continue Reading »
Acquiring Student Credit Cards - What You Need to Know
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Okay, you’re finally off to college and you’re applying for your first student credit card. Do you have any idea about how credit cards really work? Researching on some of the most important credit card terms will help you understand credit cards better. Let’s talk about some of the most frequently used terms you will encounter when applying for a credit card:
APR. APR or the annual percentage rate is the interest rate that the credit card company charges on your account each time you fail to pay off your monthly balance. This means the lower the APR of the credit card, the better it would be on your budget. Continue Reading »
Build Your Credit Rating with Student Credit Cards
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Before, students can’t just open a credit account without a cosigner. Credit card companies do not extend credit to students because they’re considered as high risk. Yet today, credit card issuers have opened their doors to the student market. To keep up with competitors, most credit card companies today offer credit cards that are especially designed for students.
How to Build Your Student Credit Rating
One of the advantages of having a student credit card is being able to establish an early credit history. Even while in college, you can start building your credit in preparation for the future. Applying for a student credit card is easy and most do not even require a cosigner at all. In fact, this would be the only time you can get approved for a credit card without a credit history or a job. Continue Reading »
Advantages of Online Student Credit Card Application
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Not long ago, all credit card applications are done manually. You would need to fill up a document and personally visit your bank to submit your credit card application. Today, modern technology has tremendously changed the way business transactions are done including credit card applications.
Most banks today offer online banking where individuals can access their accounts straight from the web. Even applying for credit cards have been made easier. Simply by filling up a credit card application online and pressing the submit button, all one has to do is wait for his application to be reviewed online and get a quick approval. Continue Reading »
