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10 Ways To Boost Your Credit Score
10 Ways To Boost Your Credit Score by Dave Czach 1. Deleting Errors in 48 Hours This is the absolute fastest way to correct errors on your credit report and raise your credit score. However, it can only be done through a mortgage company or a...
Consolidating Your Credit Card Debt
Copyright 2005 MHG Consulting
Credit cards have revolutionized the purchasing experience since Diners Club released the first credit card in the year 1950.
The Dinners Club credit card gave consumers limited credit that, at times, even surpassed...
Do it yourself Credit Repair
Many of us believe that it is only through an agency that we could possibly have any hope for repairing our own credit. Rest assured that this is not true. It could possibly cost you more money and time to arrange through an agency than it would to...
Fraud - would you credit it?
Findings from a recent study by APACS show that the amount of overseas fraud exploiting UK debit and credit cards has hit a five-year low. However with ID fraud as one of the UK's fastest-growing crimes, this should not be a cause for credit card...
How To Accept Credit Cards Without A Merchant Account
To increase sales on your website, you must accept credit cards.
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Student credit cards: Basic guide
Many students start becoming consumers of credit when they get their first student credit card in college. Student credit cards can give them a highly convenient way of making purchases; however this is also a time of great responsibility as they start their first endeavor into money management.
You need to be careful when using your student credit card. This is the time you start building your credit report which will come into play when you start needing money to buy a house or a car. It is very easy to misuse credit in college. Usually it is very expensive being a college student nowadays and it can be hard to keep track of bills and pay them on time.
However a student credit card can also be very convenient. It can teach you better money management skills. If you work hard you can start building a solid credit score. Students can also avoid carrying around cash. Many student credit cards offer protection incase the card gets stolen or lost.
There is much choice for students when it comes to selecting a card. The first thing when choosing a student credit card is to find one with a low APR.
Many student credit cards will even allow you to accumulate points from your purchases which you can redeem for DVDs, books, CDs and other cool rewards.
If you misuse your student credit card and keep making late
payments, you will be under a huge debt burden when you graduate and need to buy a home or a car. Student credit cards are not a student loan. Consider them as high interest loans which you should pay off immediately.
On the other hand by properly managing your payments, you can have a good credit score when you graduate. If you make your payments on time, you can also avoid the interest charges. Be careful of the late fees on your student credit card.
Student credit cards generally have low interest rates but they might have a smaller maximum credit limit.
If you are a college student, you may have received a lot of student credit card offers through the mail. Credit card companies want you to get hooked on their card early in life, so that you remain their loyal customer in the future.
Online applications have made it very convenient to apply for a student credit card. In addition the Internet can let you shop around from a wider selection of cards right from your home. Usually it is a secure way to apply if the online site has a secure server.
You can qualify for a student credit card if you are at least 18 years of age.
About the Author
Jakob Jelling is the founder of http://www.cashbazar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.
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