College Student Credit Cards

Apply Online College Student Credit Cards

College Student Credit Cards

College Student Credit Cards

College student credit cards are wonderful. It gives one a feeling of safety to have a credit card in one’s pocket or purse. Student college credit cards are a great way for a young person to learn, first hand, about finances and budgeting. It builds a credit history that is separate from parents and can be used by lenders later in life as a measuring stick for you as a trustworthy creditor. You should really choose a credit card that was created especially for students. Do your research and follow the steps outlined below to be certain to get the best student credit card for you and your situation.

Finally, it can be a little difficult to obtain college student credit cards on your own. Some card companies require that the student have a co-signer (usually the parent(s) or some other responsible adult). Students under the age of 21 have to meet additional requirements not required of those of legal age (rule of The Credit Card Act). An under 21 student has the choice of either get someone to co-sign or show proof of income great enough to justify the issuance of the card. If you have a job with reliable income, you will most likely be able to qualify for the student credit card on your own. If you do not have a job, you will need someone to co-sign for you. Asking someone to co-sign is asking him/her to take a big step. Understand that whatever you do with this credit card will affect your co-signer. If you do not pay your bills on time, this will be reflected on the credit of your co-signer. If you should default on the payments and amount on the card, the co-signer will have to make the payment for you. This is a lot to ask someone to be willing to do for you.

Disclaimer: This content is not provided or commissioned by Citi. Opinions expressed here are author’s alone, not those of Citi, and have not been reviewed, approved or otherwise endorsed by Citi. This site may be compensated through Citi Affiliate Program.

Disclaimer: This content is not provided or commissioned by Discover. Opinions expressed here are author’s alone, not those of Discover, and have not been reviewed, approved or otherwise endorsed by Discover. This site may be compensated through Discover Affiliate Program.

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