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

Bring that Magnifying Glass!

By: Larry Goldberg

If you’re about to apply for a new student credit card, one of the most important things you can do before you apply is to read the fine print. That fine print will not only help you understand your statement a bit better, it will keep you from being surprised when you get slapped with an extra charge or two for taking out a cash advance for that midnight pizza run, making a late payment, or going over your credit limit.


Know Your APR

Before you sign any credit card application, you need to be aware of the card’s APR. APR stands for “Annual Percentage Rate,” and it’s the amount you’ll pay in addition to the total cost of the purchases you make. The problem with advertised APRs, though, is that the student credit card companies only advertise them to make you sign up for the card. In most cases, not only will the advertised APR expire, but most companies also reserve the right to change your APR at any point in time as long as they notify you of the change. So, while you may think you’re getting a great APR on that new student credit card, it may not be as great as you initially believed.


Understand How Payments Work

You send in your bill each month, but do you really know how the payments work on the card? If not, that’s certainly something you need to find in the fine print of your new student credit card. Payment aren’t all equal, and if you intend to use your card for cash advances, balance transfers, and purchases, knowing what will get paid off when is important information. In general, purchases have to be paid off before a dime is applied to a balance transfer or cash advance, but that can very from company to company. Be sure to look before you leap.


Fees, Fees, Fees

The credit card industry is built on collecting money from various kinds of fees, and catching what you’ll be paying when is very important. One of the first things you should look at in the fine print is how much the cash advance fee is going to be. If you’re like most college students, cash is scarce but often necessary and understanding how much that cash will cost is pretty important. You should also look about your over limit fee. If for some reason you go as much as a dollar over your credit limit, the company will slap a few extra fees on your account. Don’t forget to check into the late payment fee while you’re at it.


Billing Cycles

Part of knowing what you’ll be paying is understanding how your billing cycle works, and for some companies, they billing cycle is quite a brain workout. In fact, if your card company uses a double billing cycle, the amount that takes to pay the card off may vary from day to day, as you could be charged interest on the amount even after you’ve paid it off.


Credit cards are easily one of the most important parts of campus life, but understanding the terms before you sign up for one is an essential step.


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