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Credit Building Strategies
IF you are attempting to build your credit there are many
strategies we can look at to help you get started. If you have
no credit, bad credit or good credit, building credit is
important since regardless of your situation, you do not want to
go...
How to Fax the Credit Bureaus For Faster Credit
Insider Etiquette: How To Stay in the Credit Bureau's Good Graces Several of the credit bureaus have opened up their fax lines, (namely, Equifax and Transunion) but only to select consumers--only those a recent "confirmation number" or tracking...
Legislators Ponder New Credit Protection Laws
Legislators in Washington, D.C. are considering several credit-related consumer protections as outlined in The Fair and Accurate Credit Transaction Act of 2003 (H.R. 2622). If approved, consumers could benefit from the most wide-ranging changes...
Vital role of credit cards
Credit card processing is vital to operating any business in
today's society. A merchant account is the service provided by
processing banks in association with Visa, MasterCard, American
Express, Discover and other credit card companies, which...
Why do we need credit cards?
Why do we need credit cards?
In the world today a credit card has become very valuable, and
for many different reasons. More buying power, isn't that what
we all want? With a credit card that is exactly what you get.
How often is it that...
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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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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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