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Funding A College Education: Where To Start
The beginning of the new year marks the time when many high
school students will apply to college and decide where they will
continue their education. For students and parents alike, paying
for a secondary education is a major concern.
About...
MORE TRUE COLLEGE ROOMMATE STORIES
So it's my fifth (and final) year of undrgrad and I am planning on getting my own place; but right before that happens I get an opportunity to rent a house for a total of $750 month, and this includes utilities. Well, no shit, I'm going to go for...
Online Education Used for College Classes
When most people hear the words, “online education,” their first thought is of those adults who are seeking out new skills or training or who are looking for a degree with limited time to commit to the process. But many colleges are utilizing online...
Stress and Alcohol: How to Avoid Two Major Pitfalls of College Life
Copyright 2005 Linda Slater Dowling
A lot of hard work and planning goes into choosing your college
and then preparing for college life. But although your stacks of
extra-long sheets, dorm-size refrigerators, photos of friends
and family and...
Why Should College Students Care About Their Credit Score?
Students are increasingly worried about credit and credit scores - and for good reason. Student debts are rising and the numbers of students who leave school with ruined credit scores is rising as well. Many experts blame larger credit card...
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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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