Have you just graduated from High School? If you have you’re probably excited about going to college and experiencing the freedom and excitement found in college life. College may be fun but problems can still be encountered. Applying for student credit cards will eliminate a few hassles that may come your way.
There are plenty of credit card companies out there so let me share to you some tips about finding the best student credit cards. The first attribute that you should look for in a credit card is low interest rate. Some credit cards may even offer no interest in the first six months.
When I was in college I used this advantage to buy things that I need like books. You still have to check what the interest will be after six months. If it’s unreasonably high, it’s probably not a good idea to continue your application. Try other credit cards and find the one that has the best interest rate.
If it’s your first time to have a credit card, you should first try one that has low limits. This way you won’t be tempted to go on a spending spree. You can easily lose track of your credit card account, having low limits ensure that you don’t spend too much.
Another good thing about student credit cards is that some of them offer rewards. Check out credit cards that offer rewards and find those that have those that you may want to earn. In my case I used credit cards that use point system that allows you to convert them into gift checks that you can get if you accumulate enough points.
A college student certainly has a lot of things in mind. Aside from school, a young adult often engage in social activities like sports and parties. This means a lot of belongings simply disappear especially if you do a lot of partying. If you’re also a party animal, student credit cards with “Lost Cards” policies can really protect you. I lost a lot of credit cards myself while attending college, some of them were even stolen. It’s a relief to know that no one else will be able to use your credit card since yours have security features.
If you’re a busy student you might want to use student credit cards with online management accounts. You can monitor your account online allowing you to have that extra time to do some research. So there you have it, following these tips about credit cards wall help you make your college journey smoother and a whole lot more exciting.
About the Author:
Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting http://www.findqualitycreditcards.com/categories/student_credit_cards
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