I'm going to be a fresman in college and I want to get a student credit card for emergency things. i'm not going to go wacko with it, i'm really good with money. Anyway I was supposedly pre approved for this discover student credit card, but i got a letter in the mail which said i wasn't. Anyway, are there any reliable credit cards out there that i can get even if i don't or never had a job???
2007-08-03 09:28:23 · 7 answers · asked by music.lover 2 in Business & Finance ➔ Credit
Yes, you can get student credit cards even if you don't have a job. A couple of the best ones are the Citi mtvU card and the Citi Driver's Edge for Students.
Since you're disciplined with money, you should probably consider this strategy:
1. Get the best rewards card for your normal spending habits.
2. Funnel most/all of your normal spending through your card.
3. Pay your balance in full each month.
If you do that then you'll:
1. Build your credit quickly.
2. Avoid interest.
3. Earn rewards!
The only question is: Which student rewards card will pay you the most for your normal spending pattern?
To determine that quickly, you can use this credit card rewards calculator for student credit cards:
http://www.creditcardtuneup.com/?card_type=College+Student
Note that the Citi mtvU and Citi Driver's Edge for Students cards are good for pretty different spending profiles, so the calculator can help you out.
2007-08-03 14:14:26 · answer #1 · answered by moviegoer_j 3 · 0⤊ 0⤋
There are ways to do it as listed in some of the other posts but isn't it better to just save some money in a savings account every month?
I'm saying that because it is so easy to get into debt. You don't need this additional headache. There was a news segment on last year just on college students who where in an emotional as well as financial wreck because of credit cards. It's better just to save and tough it out.
2007-08-07 14:54:08 · answer #2 · answered by mom101 2 · 0⤊ 0⤋
As the name suggests, a student credit card is specially designed for students and is very different from your regular credit card. Because it may be the first time for college students to apply for a credit card, most credit card companies designed their student credit cards to be a form of secured credit cards.
It will help a student to avoid accumulating high amounts of debt because of reckless spending. If you need groceries, or that recommended book but you don't have the money for it, then it may be time for you to use your student credit card. It is good if you start learning good financial habits from your student life itself. Don't use the card to pay for everything and anything. Use it judicially or it will land you in a debt to repay after the college finishes. checkout a list of popular student creedit card at: http://www.credit-card-gallery.com/Student_Card.html and choose a best one according to your choice.
2007-08-06 08:06:28 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Ask your parents to help you to get the card. Tell them to cosign for you. Go for some cards with 0% intro aprt rates. Discover have some cards like this they are good and help to improve credit score.
To know more you can visit
http://www.creditcardbiz.blogspot.com
2007-08-03 19:18:54 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Ask your parents to get a card for your, or, apply for your own. Your parents can get a card for you. All they have to do is call or write to their credit card companies and ask that the companies send a card to you in your name.
You're in college and should be responsible enough to pay the bill every month.
2007-08-03 16:37:27 · answer #5 · answered by newyorkgal71 7 · 0⤊ 0⤋
You can get a CC if you don't have a job, go here and click on student credit card
http://www.bestcreditrates.net
2007-08-03 22:17:45 · answer #6 · answered by Anonymous · 0⤊ 0⤋
check this link its good
http://workathomedataentryworkss.blogspot.com
.
2007-08-05 02:34:07 · answer #7 · answered by Anonymous · 0⤊ 0⤋