What's the best credit card for a college student?

Question

I dont wanna go into debt and i want a small limit. i would really appreciate any help.

Answer 1

Not all possible and available college student credit cards are right for everyone. You should avoid one that charges an excessively high interest rate, unless you know for a fact that you will be paying it off in full at the end of the month. Keep in mind that the credit card issuers are taking a bit of a chance on you, since you probably have little or no credit history established, and therefore the interest rate on virtually ANY credit card you are approved for is going to be higher than "usual", where "usual" would be the rate that perhaps your parents would get approved for, since they already have a credit history established.

Most college students today need a car, and many of them make the mistake of tying up all of their credit cards in paying for a car. This is probably the worst possible option for buying a car, since the interest rates will be astronomical that way. It would be much better to get a separate car loan and keep your credit cards free up for things you really need. You can get more information about getting a superb deal on a car loan, where many of these loans would be tailored for college students, at Car Loan Resources.

You need to be honest with yourself – are you and can you be financially responsible with this college student credit card and you are the only one that can answer that. If you are not sure, then perhaps a secured card would be the best place to start. This is where you make a deposit with the card issuer, say a bank or credit union, and then your credit limit is the amount of your deposit. This is actually a great place to start and to learn fiscal responsibility and to get used to getting into the religious habit of paying your credit card bill on time every month, and to understand how the interest can add up, and unfortunately, how late fees can also add up. But it is a lesson that you will learn quickly, and the good news is that you will remember that for the rest of your life. read more about it at: http://www.credit-card-gallery.com/article/141,How_To_Decide_On_The_Right_Student_Credit_Card_For_You and apply online here for a best student credit card.

Answer 2

Getting a HSBC credit card is quite easy. Applying for a HSBC credit card is a simple procedure that can be completed in a short time online.

The initial step is the selection of card. Search for HSBC credit cards on the Internet and select the one that is most appropriate for your needs. Once you have chosen the preferred card, the next step is to submit basic information, such as your personal details. After you have done this, fill out the application details to indicate your card instruction choices like ATM, language etc. The third step is confirmation. Here you read and accept all the terms and conditions and declarations of the agreement. Once you are through this, the last step is acknowledgement. Here you get a reference number to confirm the receipt of your application.

Some of the well known HSBC credit cards are: HSBC Platinum MasterCard, HSBC Cash Back Rewards MasterCard, HSBC Cash or Fly Rewards MasterCard etc. The primary benefit of these cards is the 0% introductory Annual Percentage Rate on purchases and balance transfer from 6-12 months, right from the day the account is opened. All these cards offer online account management services.

Answer 3

You can find a complete list of credit cards for college students here:

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

The Chase Student Flexible Rewards Card seems to have the best approval rates. But Citi offers a couple good student cards too. Take a look above and compare offers...

Hope this helps. GOOD LUCK!

Answer 4

The best credit card is the one you don't have. You do not need a credit score for nay reason whatsoever, unless you plan to go into debt. A debit card will do the same thing as a credit card, except allow you to spend more than you make. Worshiping at the alter of FICO is contrary to every Biblical principal. Never does the Bible say that borrowing money is good; it always says that it's bad. The borrower is truly slave to the lender.

Answer 5

A local credit union is the best card or a card linked with your bank account. Look at B of A college bank and credit card account. Do not get a Citibank card, they are oweful!!! Beware of CITIBANK and any of their companies, and they own a lot of credit card companies. Read the small print. And don't be late ever! Take classes at your local consumer council.

Answer 6

760 is an A score and yes that's pretty good. It depends on what kind of rewards you want Chase has a 3% rewards card which I have but are you looking for travel miles? music downloads? gifts? Not sure which kinds of rewards your interested in. Try Chase Rewards... Better yet pay with cash...

Answer 7

Make one by yourself, write "Save $" on it and carry it around. I know lots of people are happy go with no credit cards and they are just happy with what they have. If you have one and do not know how to control your desire of buying, you will find yourself in debt and life turns miserable as you are student and have limited income.

Answer 8

You can get a student credit card. Regarding debts it all depends on you. If you buy and don't pay the bills on time then you will get bad credit otherwise not.
To know more you can visit
http://creditcardbiz.blogspot.com
and
http://onlinepaymentoption.blogspot.com

Answer 9

Look under my profile for credit. As long as you don't go crazy with the money you should be right.

Answer 10

The link below allows you to compare cards by fees, rewards, etc.