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To Students Who Want To Get A Credit Card

-- But Can't Get Started !

Dear Friends,

So, you’re looking for your first credit card.  The trouble is how do you get one when you haven’t even established credit yet?  Relax because it’s not too hard to find a credit card company that’s willing to sign up.

Do you remember seeing tables set up around campus pushing credit cards, especially at the beginning of the semester when credit card offers seem to hit you from all angles? A credit card or two can sometimes really come in handy and can also be a good way to build your credit. So, what’s the problem? The only bad part about signing up at a booth is that you’re not familiar with the brand and you have no idea what they have to offer.  The best thing to do is research your credit cards online, so that you know what you’re getting yourself into.

You need to memorize this that credit card companies make a majority of their money from fees. Credit card companies are reaping more profit from late fees than ever before and college students are doing their part to contribute to this trend. You can avoid these late fees by paying on time, always.

Paying on time seems simple enough, right? Well, credit card companies have some tricks to foul you up. One way they do this is by decreasing the amount of time between when they mail a bill and when payment is due, in some cases you may have only a week or two to send in your payment before it’s late. To improve this trick, most companies have eliminated grace periods, the time after a payment's due date before a late fee is assessed. Even one day late can mean late fees. One way around this is to sign up for an online account with the company and ignore your statement but remember your payment date. That way you can log in and make your payment on time based upon your own schedule. You can browse the following card options to find and review all cards with low late fees.

The nice thing about a student credit card is that they are designed for students looking to build their credit rating.  A young adult going to college is technically more responsible than a young adult not going to college at all.  Establishing a credit score isn’t as hard as you think.  The toughest part about building your credit as a student is getting your first credit card.  Once you receive your first credit card, you’ve already accomplished the hardest feat. 

When you’re finally ready to start using that credit card, here are a few tips you can follow on building your credit wisely.

• Every year, you should get a copy of your credit report.  The government recently passed a bill a few years back stating that you’re able to see your credit report for free.  The reason you should check your credit report each you is so that you can monitor and make sure there are no suspicious activity on your account.  Companies such as Equifax, Experian, and Trans Union all will give you access to your report.

• It’s highly suggested that you sign up for either checking or savings account or for both.  Lenders often see this as a sign of stability.  They feel you’re a lot more responsible as an adult with these types of accounts.

• The biggest part of your credit score regardless of what anyone says is to pay your bills in time.  If you start making your payments late, this will hurt your credit score drastically.  It’s important that you pay it off in time, even if you can only pay the minimum.  Any payment on time is better than no payment at all.

• When you’re starting out with credit cards, you’re tempted to spend, spend, and spend.  It’s important that you’re responsible with your credit cards.  You want to make sure that you’re not using up all of your credit that you have accessible. 

• When getting a credit card you should always remember that the main goal of the card issuer is to make money on you in as many ways as possible. Issuers of plastic don't really mind when you're late making a payment because there's big money in collecting late fees. Therefore, you should always follow these three rules:

We believe that if every student follows these three credit card tips, he or she can build the credit history better and faster.

 Read the fine print and understand what it means!

Shop around for a better deal; college students are attractive candidates for credit card companies and so you should be selective.

Know your limitations and add credit card payments to your monthly budget so you know what you can afford to charge.

A. STUDENT CREDIT CARD OFFERS

1. Account Now Pre-Paid Visa Card - Guaranteed approval! You can pick your own design for your credit card.

2. Get a Real Mastercard! With Up To A $5,000 Secured Line of Credit! No Credit Check - Approval Guaranteed! Easy Application Process. FDIC Insured.

3. Sign up for the Vision Premier Prepaid Credit Card! This card includes following FREE features:

- FREE Direct Deposit & FREE Weekly Fee for a Minimum of $500 transaction or 15 or more transactions per month
- FREE Signature Transaction Fees
- FREE Online Statements Accessible 24/7
- FREE Email and Text Message Alerts
- FREE Automated Customer Service

B. RELATED ARTICLES

• Are You Ready for a Visa Student Credit Card
• How To Apply For A Student Credit Card Online
• How to Get A Student Credit Card With Delta Skymiles
• Should Your Student Get a Student Credit Card
• Student Credit Cards Management
• Student Debts Are No Jokes Take It Seriously!
• Student Debt - Simple Steps To Help The Cash Flow Before That Dream Job
• The Student Credit FAQ
  

AND MANY MORE... CHECK OUT AT THE CREDIT-RELATED ARTICLE SECTION FOR VARIOUS ARTICLES!

C. RELATED VIDEOS

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At InstantCreditCardSolutions.com we continuously monitor the credit card market in order to bring you the best credit cards, reviews and credit card offers available online. Once you have found the card that is best for you, you can fill out an online credit card application and in some cases even get a credit decision within 60 seconds.

At InstantCreditCardSolutions.com our goal is to provide a resource where YOU can educate yourself, search and compare the Options. Then apply for the best credit card offers online at AwardWinningCreditCards.com .

Wishing you a very happy & successful credit card hunting,

InstantCreditCardSolutions.com team

Our Mission: To provide free or 'value for money' credit-related and money management information to our visitors and subscribers.

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