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Student Credit Cards Starting of every semester, credit card companies set up booth across all campus to promote their cards to students. By signing up a new card, you can get free t-shirts, pens, books, or other gadgets. Should you sign up just for the free stuff? We strongly suggest not. Should you sign up, yes, but be careful and limit to one card at a time. And never apply for more cards than you ever need. Be sure to keep track of how many cards you apply. Only apply for cards by major issuers such American Express and MasterCard.

So why should student starting get their credit cards on campus and how do make the best use of their credit? Credit cards are easy to apply, easy to use and easy to pay. It's safer and more convenient than carrying cash around. You can use them to pay tuitions, buy textbooks, music, and other stuff online. Many cards give you cash back or reward points while you use your credit card for textbooks and college tuition.

Getting a student credit card while in college is the first step to start building your credit history. Since these cards are targeting college students and they are easy to qualify. Credit lines are usually low since most students are not yet making money. Many offer 0% or low introductory APRs for purchases.

Here are some tips for building a strong credit history while in school:

Always pay on time, make sure you allow enough time for the credit card company to receive the payment - so send the check at least 10 days before the due date to avoid late fees and financial charges.

Avoid overspending, stay within the credit limit. Having a $500 credit limit doesn't mean you have to spend $500. Keep your account balance to less than 50% of the available credit

Keep your credit card information to yourself. Do not reveal credit card number or pin number to a friend or significant other.

Review your monthly statement carefully. Report any errors immediately and dispute any unauthorized charges. Getting a student credit card while in college is the first step to start building your credit history. Credit card companies offer some sort of incentives on campus when you apply - such free t-shirts and mugs. And most of the student credit cards now carry cash back or reward points programs. Since these cards are targeting college students and they are easy to qualify. Credit lines are usually low since most students are not yet working, but many offer 0 or low introductory APRs for purchases. Pay your tuition bills and supplies with these credit cards and start building your A+ credit.


 

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