Credit Repair Information, FREE Credit Card Application Center, Low Interest, money back guarantee, debt consolidation, and website credit!

Credit Card Offers

0% Balance Transfer 0% Balance Transfer
Credit Cards for Bad Credit Bad Credit Credit Cards
Credit Cards for Bad Credit Pay Day Loans
low interest rate credit cards Low Interest Cards
cash back and rewards cards Cash Back & Rewards
airline mileage credit cards Airline Mileage Cards
business credit cards Business Credit Cards
student credit cards and information Student Credit Cards
Auto & Gas Cards

MasterCard Cards
Citibank Credit Cards
Chase Credit Cards
American Express
Discover Credit Cards

Credit Cards for Bad Credit
Student Credit Articles
Credit Cards for Bad Credit Mortgage Calculators
Credit Cards for Bad Credit
Tax Help Information
Credit Cards for Bad Credit
Consolidating Your Debt

Credit Card Issuers

- Chase Bank Credit Cards
- Citi Bank Credit Cards
- American Express Cards
- Discover Credit Cards
- Mastercard Credit Cards


Special Credit Offers

Credit Repair
Earn a College Degree
Background Checks
FREE Cash Advances
Free Credit Report
Get a Car Loan
Are You Single?
Lose 20 Pounds Now!
Life Insurance Quotes

Student Credit Cards: A Primer

By: Larry Goldberg

Headed to college, and you want to take a great credit card with you? The first step is to understand the types of student cards that may be available to meet your needs. Understanding the market is the best way to make the ideal student credit card selection for you.


                        Secured Credit Cards: Many student cards these days are secured cards. With a secured student credit card, you are required to put a certain amount of money into a savings account in order to open the actual credit card account. The amount of money varies from the actual credit limit of your card itself to a percentage of that limit. The money must stay in the savings account as long as the credit card account is active, and removal of those funds can cause the company to cancel your card. This is a good protection for the company, though, because should you ever find yourself unable to pay the bill, the company can simply deduct the funds from the account. While it may not seem like the greatest setup in the world, it is a good way to establish your student credit rating and move on to bigger and better cards.

                    Prepaid Credit Cards: If you’ve ever gotten a gift card to a major retailer, you know how prepaid credit cards work. You or your parents simply deposit an amount into an account. That amount then functions as your credit limit. They are refillable, but once the money is gone from the account, the card cannot be used for further purchases. There are some real benefits to these kinds of cards. First, you can buy whatever you need without the worry of going into debt. Second, should you ever lose your card, you don’t have the same kinds of identity theft concerns as you might with a normal card. The drawback to this kind of card, though, is that not all of them report to credit bureaus, so it may or may not help you establish any kind of credit history. Second, not all merchants accept prepaid cards, as there may not be funds in the account when the merchant tries to get paid


                     Standard Credit Cards: You’re probably most familiar with this type of card. You apply for the student credit card (either online or through a pen and paper application), and you’ll either be approved or you won’t. Once you’re approved, you’ll be issued a credit limit, and you can begin charging to your heart’s content. You’ll pay a monthly bill, which will be the total of your charges plus an interest fee, and the credit card will routinely report that information to a credit bureau. As the credit card industry has grown, though, so have the number of options within the standard credit card category. Choose from cash back cards, rewards cards, zero percent APR cards, and balance transfer cards, just to name a few. If you do choose to apply for a standard credit card, be sure to do your homework.


Choosing the right student credit card to meet your needs can be tough, but understanding your options is the best first step you can take.



More Helpful Articles >>>

Student Credit Cards Promotion

More Student Credit Card Articles >>>

“I have saved hundreds of dollars on interest alone. Also I didn’t have to file for bankruptcy, so that was a plus without a doubt. Thank you, LetsGetCredit for being there when I needed help.”

S.C. Dallas, TX

“I was dangerously overburdened with credit card debt. Though legally I could have declared bankruptcy, I felt it would be more proper to find a way to pay off these debts. Through your organization, I was able to pay off my debts and manage my income more effectively.”

S.K.G. Glenview, IL has given me hope. I can see the light almost at the end of the tunnel. It has also given me the insight as to how to stay out of debt in the future.”

– A.W.S. Winston-Salem, NC

More Testimonials >>>

Earn Your Degree NOW! - Earn your Degree Now and Enhance Your Career. Flexible Online and Campus Programs Available. Request Info Today. It only takes A Minute. Earn your DEGREE on your own terms...

GET CASH INSTANTLY - - Apply For a Fast Pay Day Loan Up to $1500! Get the Cash you need by TOMORROW! Apply Now!

FREE Credit Report - What does your credit score say about you? Get your credit score instantly! The average U.S. credit score: 675. How do you compare?

Apply for Unsecured Credit Now - Apply now for unsecured imagine gold mastercard credit card. Three financial offers in one application, credit cards and cash.

Additional Offers >>>

  • Cancelling Your Credit Cards - Canceling credit cards is not always a wise option. You may think it will improve your overall credit report score; however...

  • 0% APR Saves You Money- If you have a credit card, which most of us do, then you’re probably paying your fair share of interest on your debt.

  • Your Credit Score - Just how important is your credit score, you may ask? Well, it is very, very important. Your credit score is the main thing that will