Any worthwhile college credit cards say I need "good credit" but I have never had a credit card?

Question

What's the point if I want an entry level card.

0% Intro APR* on Purchases for 6 Months
No Annual Fee
$0 Fraud Liability Guarantee
Easiest Online Account Management Options
5% Cashback Bonus® in popular categories that change four times a year like gas stations, restaurants, clothing stores, travel and more*
Up to 1% Cashback Bonus on all other purchases automatically*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% on Purchases* 6 Months * 16.99%* None* N/A* Good Credit*

Answer 1

The approval guidelines are less strict for student credit cards. I would say as long as you don't have BAD CREDIT, you should try to apply for one of these offers. Since they're designed for students with little or no income (and less credit history) you'll have a good chance of getting approved-- as long as you're going to school and don't have any negative items on your credit report. If you don't receive the advertised terms and conditions-- just don't accept the offer.

Here's a great place to search and compare offers:

http://www.asapcreditcard.com/student-cards.html

Hope this helps. GOOD LUCK!

Answer 2

It isn't always that you need to have good credit, but moreso that you have to have a credit history. I was denied for my first credit card when I was at NC State University because I didn't have a credit history... I now have a card with 10% APR (which isn't a major factor to me because I pay it off in full every month) and a reasonable credit limit. You may have better luck getting a secured credit card (you make a deposit and that becomes your credit limit... usually after 2 or 3 years of "good behavior," the card becomes unsecured) or going to your bank or credit union and applying for a college card there. Depending on how many cards you've applied for, you may be hurting your score from all of the hard inquiries. Some students have a jump-start by being added as an authorized user on their parents' credit cards and already have a good credit history, even though they haven't handled a piece of plastic in their lives. You'll notice that the regular APR is nearly 17% ...most credit cards are banking on students having parents to bail them out of credit card bills and getting into a habit of paying minimum payments after college.

Credit cards aren't evil, it's that most people don't know how to use them responsibly.

Answer 3

These days, with so much competition between credit card companies, you can get so much more. You can get 0% introductory APRs, free balance transfers, and a whole host of exciting credit card rewards: travel, shopping, even points toward college tuition!

You get credit card offers in the mail every day. And you do need to make sure that you are using the credit card that is best for you. Instead of sifting through all those credit card offers in the mail, why not go online and check out the incredible offerings of credit card reward programs? In addition to getting the best credit card for you, as well as any perks that come with the card, you will earn a cash reward, just for signing up for your favorite low interest credit card online!

Credit card reward programs allow you to easily view and compare all of the best deals that the major, top of the line companies have to offer. And, when you decide to complete an application, you will receive a cash reward or free merchandise through the reward programs!
View so many types of 0 intro apr credit card at:http://www.credit-card-gallery.com/0_Intro_APR.html. Compare all and choose the best one according to your reqoirment. Here you can apply online and get instance approval.

Answer 4

First of all, no credit is better then bad credit. Second, the credit cards they offer you in college usually aren't the ones you get. They offer you these great benefits, but then give you the "Gold" card or as you put it, entry level. Or, they'll give you the card, but not the special low interest offer which is based on good credit history. The interest is too high and usually has an annual fee. Just apply for the card, they'll give you the lesser on ethat you're looking for.

Answer 5

Do not pay attention to all of this as they pass out cards to college students like candy. They assume that most will screw up and they will make tons on interest. They assume that if even a large portion default they will still make money.

The card companies know you have no credit and will give it to you. Because if you mess up you will have to pay a huge APR later to have one or not be able to lower it. So...... bottom line is don't mess up when you get one. And bear in mind that most employers do a credit check. If your credit is bad you may not get the job.

Answer 6

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Answer 7

try capitol one
they have low limits to get you started like 300.00 that way you can control what you are spending
and they do have 0%

Answer 8

go to myfico.com and then hit credit cards and this will help u find a card for u..