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College Families Overpaid The IRS – Again!
College families who made their best guess as to which of the Education Tax Incentives would save them the most on their income taxes have put their 2004 tax returns to bed. However, for many, a sigh of relief may be a bit premature and...
Holistic Junction's Featured School of the Week: Pioneer Pacific College
Holistic Junction is honored to exhibit Pioneer Pacific College as the featured school of the week. Pioneer Pacific College is '...uncompromisingly dedicated to helping people improve their lives through high-qualtiy, college-level, career...
Hookah: A Smoking New Trend Among College Students
For centuries, Eastern cultures have embraced this simple, yet
curious device known as the hookah. Though the designs and
materials have changed through the years, the hookah's social
function is still intact. Too few things exist that are able...
Official College Rankings: A Students Best Friend
Each year, the United States News and World report issues
college rankings. These ranking lists are the most popular and
are the officially recognized university rankings for all
American colleges and universities. These college rankings...
Tips On College Selection
It is highly recommended that early in the college selection process, parents and student(s) visit some schools to determine if they’ll be suitable. The criteria that must be considered before any college is applied to include: •Average GPA, SAT I,...
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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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