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College, To Be or Not To Be
Somewhere around the age of fifteen, someone will begin to ask you about your plans for college. Uh? At fifteen, your most important plans involve a corsage and the latest dance moves. But, somewhere between fifteen and high school graduation,...
College's Language Faculty and Student Develop Online Board for the World
(WARWICK, RI) - A new forum may be a great help to students of foreign language and those studying abroad. "[it] is an important addition to the world of websites," says Dr. Brown, a professor of Spanish and Portuguese at the Community College...
Discover How Online College Classes Work
It's no secret that more and more people are looking to the internet for a convenient way to further their education. Online classes are a great way to obtain an accredited college degree from home and continue to work a full time job. Many times a...
Navigating the college savings programs
As a parent, the big financial concern with a newborn is how to
set aside enough money to assist for a college education.
Universities and state governments have developed many different
financial savings plans to encourage parents to save money...
The Facts About College Financial Aid
The cost of a 4-year college education is soaring! Every year tuition, room & board and other related expenses increase 9% to as much as 15% at some schools, and have already climbed to $160,000 and more! Despite this, American families are sending...
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What Sets A College Student Credit Card Apart From Other Credit Cards
With college student credit card that today, most parents
contend that it is okay to let college students obtain their
very own credit card. Not only because they want to let their
kids manage their finances alone but also because having credit
cards or a credit history for that matter is extremely important.
With the advent of credit cards, most people would always be
looking into someone's credit history before they can approve
anything.
They even insist that without a credit history, people tend to
become a total outcast in the society, someone who is not worthy
to enjoy anything and everything without a credit history. That
is why most college students would struggle just to get one.
But what makes the college student credit card different from
the other credit card? Why is it that it is highly classified as
"student credit card," and not just any credit cards for that
matter?
Basically, college student credit cards do not make such big
difference as compared to the other types of credit cards.
However, because it is a student credit card, the benefits
stated therein are completely focused on providing the student's
their basic needs.
Moreover, college student credit card are entitled to lower
interest rates especially for students who have good grades.
They can negotiate their interest
rates for a lower rate
provided that they pay their balance dues on time and that they
maintain good grades.
On the other hand, student's credit cards are actually secured
credit cards. But the difference that sets the students credit
card apart from the other credit cards is that their parents can
set the credit limit.
Also, parents can let their child's credit card to hook up with
them so that they can keep track on their child's credit
transactions.
Another thing that sets the college student credit card apart
from the other credit cards is that the student credit cards are
mainly focused on and quoted for students only considering the
fact that they have limited credit history.
Normally, college student credit cards have no annual fees and
have credit limits that are only set to $500. And according to
some surveys of financial institutions, the average student
credit card annual percentage rate is 17.66% for purchases and
19.67% for cash advances.
So, even if student credit cards are different from the other
credit cards because of its considerable interest rates, it is
still a credit card. Thus, students must really be responsible
in handling them; otherwise, they are bound to suffer bad credit
history in the end.
About the author:
http://www.credit-card-magazine.com
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