The Best Credit Card Offers for Students
A Credit Article Contributed by Augusta Wilson
I Am a Student: How Can I Get the Best Credit Card Offer is Just Right for Me?
Congratulations on deciding to build your credit score! Finding the credit card that is best for your needs can be tricky and confusing, considering all of the different offers that are out there. The first thing that you need to do is to decide how you will using the card, and whether you want to make small payments on your balance every month, or pay the entire balance off each month. This decision will depend upon your income and financial circumstances, although it would be wise to pay the balance each month, so that you can avoid falling deeply into debt.
The Best Student Credit Card Deals out There
There are hundreds, maybe even thousands, of credit card offers out there. Here are some of the best ones for students.
The Citibank Platinum Visa Card for students is a great offer for students. It has an interest free introductory period, and a low rate thereafter. You don't need a introductory income or cosigner to qualify and it offers 0% liability on unauthorized purchases.
Another great deal for unauthorized cards which is best for students is the Chase Universal Student Platinum Card. You get a free movie ticket, when you sign up and there is no annual membership fee. There is also 0% liability on unauthorized purchases.
The Chase Platinum card is another great credit card deal for those in college. Like the Chase Universal card, this deal also offers an interest free introductory rate, 0% liability, and a low interest rate after the grace period ends.
The Discover Student Classic Card is a great way to start building your credit. It has no annual fee, and a low APR.
Why is a Student Credit Card the Best Way to Start Building a Healthy Financial Future?
Having a student credit card is the best way to build your credit. You will need to have a good credit history, when you apply for car loans, if you apply to lease an apartment, or even if you need to take out a hospital or medical loan.
While your credit score does not define what kind of person you are- let's face it, a credit score is merely a number which gives a lender an idea of what kind of credit risk you may be- it can make you're life easier, when it comes to your future purchasing power. It is important to keep your accounts up to date- and this means making a payment on the account, each and every month, in order to avoid late charges and other fees.
Learning to good credit skills is just as important to your future as doing well on your English mid-terms, or getting into the fraternity of your dreams. Just as your education will follow you the rest of your life, so will your credit history. So, find the credit card offer which is just right for you and apply!
