Student Credit Cards 101 - Build up Your Credit_10548

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Student Credit Cards 101 - Build up Your Credit
If you are student who has just learned how to drive a car or is headed off to college, most of you may not have been given access to your parents' credit cards.  But college student credit cards may provide a solution for young people in need of credit anyway because building good credit with student credit cards may be more beneficial in the long run than borrowing your parent's credit card. Believe it or not, getting a new student credit card in your name is relatively easy - even if you have minimal income, no co-signer and no credit history. To get your own student credit card, just follow these simple guidelines.   
  Get A Job   
  If you don't already, consider part-time work around campus on in your neighborhood. It can be for only a few hours a week on campus. If you're going to have your own student credit card,You are not allowed to view links. Register or Login, you'll need to make payments on a monthly basis. Having your own checking and savings account at a local bank or credit union is also a good idea. Most banks have special student accounts that require a very little deposit to open. Establishing a history at the bank and accumulating some savings, will give you more opportunities for credit in the future.   
  Surf the Net   
  As a college student, you probably have been bombarded with offers for student credit cards. Maybe you've opened your mail to find a fake credit card inside with your name on it. Or, you've seen those annoying credit card applications that always fall out of your new textbooks. You may have also seen credit card representatives with booths set up on your campus giving away free t-shirts and hats to those who complete an application. Don't take the first offer you get, shop around for the best value. The Internet is one of the best places to comparison shop for credit cards.   
  Read the Fine Print   
  Beware! Not all student credit cards are alike. Some may have really cool designs that you can pick, such as college logos,You are not allowed to view links. Register or Login, sports teams or graphics that act as an extension of your personality. But as the saying goes, "don't judge a book by its cover." Although all college student credit cards provide you with cash in the form of plastic, they can vary greatly by a number of factors: credit line offered, annual percentage rates (APR),You are not allowed to view links. Register or Login, annual fees, late fees, cash advance fees, over-limit fees and special perks. APRs can vary from 0% to 29%; annual fees $0 - $50; late and over-limit fees can be as much as $30/month,You are not allowed to view links. Register or Login, each. Before you sign on the dotted line, carefully read the terms and conditions of the student credit card,You are not allowed to view links. Register or Login, especially the fine print. Pick the card that offers you the lowest APR and fees.
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