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7 Reasons Why you should take advantage of a free online credit report
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Credit Card Payment Holidays - Blessing Or Curse?
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You'll receive a letter that says something to the effect, "That
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When it comes to acquiring a credit card, there is a plethora of choices out there for any credit consumer. However this makes the process of browsing through the credit card offers and selecting the best one difficult for the average consumer. To...
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What Sets a Student Credit Card Apart?
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 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, 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, student credit cards 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 student cards 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, 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:
More information about credit and credit cards is available at
stooze online
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Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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en.wikipedia.org |
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The National Foundation for Credit Counseling |
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FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
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Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
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Credit magazine, corporate bonds, derivatives, structured credit ... |
Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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CUNA: The Credit Union National Association |
News and resource directory about credit unions. |
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Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
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