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

Building a Great Credit History In College

By: Larry Goldberg

If you’ve just applied for your first student credit card, you’re on your way to building a great credit history while you’re just a student. Having that credit history in your pocket when you graduate could mean that you receive great home loans, ideal auto loans, and great interest rates everywhere you apply for credit. However, just because you’ve applied for a new student card doesn’t mean your guaranteed a great credit rating. There are several steps you should take while you’re in college to assure yourself the credit rating of your dreams.


Step 1

You’ve already taken the first step to a good credit rating – applying for your first student credit card. One of the rules of having credit is that it takes credit to build credit, and you can do that through proper use of your student card. As long as you continually make purchases and repay them, you’ll be creating a nice credit history for any interested lender.


Step 2

The second step to building the perfect credit history to carry you through life is to make all of your bill payments on time. While this certainly applies to your new student credit card, it also applies to your utility payments, as well as any bills you might incur with the city. Utility companies and municipalities can create entries on your credit report should you fail to pay so much as a parking ticket, and future lenders won’t look kindly on entries like these.


Step 3

Never, never exceed the credit limit on your new student credit card. Pay attention to your balance as much as possible, because should you go over that balance by a single dollar, it will be recorded on your credit report, and you’ll have to pay the associated fees to your credit card company. Moreover, try to keep your balance at just 35% of your credit limit. It will look better to any potential lenders who view your report.


Step 4

Check your credit report at least every six months. You’re entitled to one free credit report a year, and some services will let you pay a small fee to get one from each credit bureau every six months. This allows you to review it for accuracy. Thousands of people have errors on their credit reports, and it can take time to resolve these errors. However, checking on a regular basis will ensure that you’re not only familiar with your report, but you can also keep abreast of any problem developments.


Step 5

Get a good checking and savings account. These function as a signal to lenders that you’re a participant in the financial world as a whole. A bank account also lets them know that you have a way to pay the bills on the accounts that you open.


If your first student credit card is on its way, take some time to review these steps so that by the time you graduate, you’ll have a credit history to be proud of.


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