Student Credit Card or Student: Which One Should Matter More?
By: Bauer, Ellene
The credit card may basically be a good financial tool if an individual would only know how to use it smartly. Credit card firms are currently eyeing at students as a potential target market for credit card services. There are several perks that a student credit card carries. First, they aid students create their credit position. This can also allow them to manage their funds by themselves. They are ready to handle numerous financial transactions such as mortgage applications once they begin working.
Student credit cards almost work the same way as common credit cards. They typically possess reduced credit limits compared to standard credit cards. This stops students from spending over their limit. Others contain interest charges that are higher compared than typical credit cards. This is also a manner of preserving the investment of the credit card company. And also for the credit card issuer's protection, a parent/guardian of the student credit card applicant is made to co-sign the application, because a lot of these students do not yet have an income that would qualify them for a credit card.
A good student credit card doesn't have the annual fees together with APR. The introductory grace period typically lasts 6 months. This will make it a lot easier for the credit card owner to pay for his initial fees while he's still getting familiar with the concept of making use of a credit card for his purchases. You may also have fun with some freebies and discounts. It makes spending more enjoyable!
Chase Bank contains a number of credit cards on their list, which you may apply. Or you may simply get more information on Universal Entertainment student credit card. It does not have yearly fees and annual percentage rate, and includes perks in theme destinations in Universal Studios.
Your lifestyle should also speak of what credit card you are availing of. They must not only be a luxury but a need too. Dues must also be paid on time. You may ultimately create your own credit standing which would qualify you to mortgage applications. It will also say something on your personal nature. You absolutely do not want to be labeled dishonest due to missed payments.
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