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Finding the best student credit cards can be an overwhelming task -- especially if you're a student with no credit card experience whatsoever. When looking at the best student credit cards, there are a few things the finest usually have in common. Here are the top 10 key things to look for:
1. Reasonable Interest Rates
The companies that offer the best student credit cards firmly understand that a student isn't going to have a long-established credit history, and they are not going to penalize you because of it. A good student credit card will offer a reasonable interest rate (15-percent or less), regardless of this fact.
2. Sensible Credit Limits
Whether you realize it or not, you do not need a $ 5,000 credit limit while you're in college. Remember, student credit cards should not be used to finance your college education -- that's what student loans are for. Student credit cards should really be kept for emergency purposes or budgetary reason s only.
The best student credit cards offer sensible credit limits (less than $ 1,000) and will have a limit of one credit card per student. If a credit card company is willing to give you a credit limit of thousands of dollars, it's just setting you up for trouble.
3. Rational Grace Periods
A grace period is the period of time from when your credit card billing statement closes to when the payment is due. Unfortunately, during recent years, some credit card companies have employed the less-than-ethical practice of all but eliminating the grace period. Some consumers have even reported receiving their credit card statement days after the payment was due!
The best student credit cards will offer a grace period of at least 20 days, meaning 20 days will elapse from the time the billing statement closes and the bill is sent to the time that the payment needs to be received.
4. Forego the Temptation
Long-time credit card users know all too wel l that their monthly credit card statements also arrive with offers for special deals and purchases (such as magazine subscriptions or interesting collectibles). The best student credit cards will not bombard you with frivilous impulse purchase offers.
Credit card companies need to take some responsibility for teaching you about responsible spending and the best student credit cards adhere to this philosophy.
5. Pay For What?
Some student credit cards require an application and/or processing fee. However, the credit cards that require these are never the best student credit cards available.
The best student credit cards keep fees to a minimum (foregoing the application fees, processing fees and annual fees) and usually only charge fees for late payments and/or over-the-limit transactions.
6. Online Account Management
Another thing that the best student credit cards have in common is online account management. With online account managemen t, you can review your credit limit, make payments and keep track of your spending right from your dorm room.
While online account management used to be a "novelty," it is quickly becoming a "must have" and all of the best student credit cards offer it.
7. Rewards Aren't Just For Adults
Rewards credit cards aren't just for mom and dad. Students are eligible too. Some of the best student credit cards offer rewards, such as points that can be redeemed for gift certificates or even cash back.
Just remember, student credit cards that do offer rewards usually also have a higher interest rates (16 to 19 percent). Because of this, it's important that you pay your balance in full each and every month to avoid finance charges if you opt for a rewards credit card rather than a low-interest credit card.
8. Don't Overlook the Credit Union
Some of the best student credit cards can be found at the credit unions on college campuses. Many college credit u nions offer student credit cards with very competitive interest rates and other student benefits. If you haven't done so yet, check your campus credit union to see what they have to offer.
9. Nurturing Your Credit History
The best student credit cards will report all payments made on the card to the three credit reporting agencies. Pre-paid student credit cards do not do this, which is why they aren't really good for building your credit rating, nor are they beneficial for teaching you about how revolving credit works.
When applying for student credit cards, make sure that they are legitimate credit cards (not pre-paid deals) and that all account of your activity is reported to the credit bureaus. When you graduate from college and need to buy a car or a house, you'll be glad you did.
10. They Really Are Student Credit Cards
The best student credit cards really are just what they say they are -- student credit cards. Some credit cards advertise themselves as being student credit cards when, in fact, they issue students the same credit cards they issue everyone else.
Because students have unique financial circumstances and needs, you need to apply for a student credit card that is what it says it is. Unless the card you are applying for is specifically tailored to students, it's not really a student credit card.
Remember, even though the world of student credit cards can be confusing and finding the best student credit cards can feel like a daunting task, these ten priceless bits of advice will get you well on your way to a sound and stable credit card future.
Find More Where Are The Best Student Credit Cards Hiding IssuesQuestion by John: Will it hurt your Credit to have alot of credits cards w/ a balance? I have alot of credit cards that I have a $ 0 balance on. I heard that it will hurt your credit score more if you start closing them rather than leaving the acct open and have a balance of 0 ! What should I do, leave them be or start closing some. I don't want my available credit to be maxed out. Thanks. Best answer for Will it hurt your Credit to have alot of credits cards w/ a balance?:
Answer by 65% water
Why do you have so many credit cards if you're not using them? No one needs more than one or two cards. Close the ones you aren't going to use, take the hit, and move on from there. (And yes, it does hurt your rating to have all that available credit.)
Answer by RantingLover
Close any accounts that have an annual fee or any thing else you have to pay for. Leave your oldest accounts open (except if they have an annual fee). How much debt do you have on your other cards? If closing the accounts would dramatically increase your debt to credit ratio don't close any accounts, even ones with annual fees. Leave the accounts open. Use them every couple of months for gas, and then pay in full. They will help your credit score open better than they will help closed.
Answer by magdarra
From what I understand, it will hurt your score if you close old accounts and have balance on other accounts (because the % of credit used goes up). You should use your cards occasionally. If you were going to close some, and keep a zero balance, then the newest ones should probably be closed, as you will have a longer history with them. The book I mention below also lists several web sites where you can simulate different changes on your credit score.
Answer by Etta P
I have put a couple websites that can answer any questions you may have on how scores are calculated and to do to make your better. Here is a basic summary: The basic credit scoring formula takes into account several factors from your credit report. The impact of each element fluctuates based your own credit profile: • Payment history â€" A good record of on-time payments will help boost your credit score. • Outstanding debt â€" High balances in relation to your credit limits will harm your credit. Aim for balances under 35%. • Credit account history â€" An established credit history makes you a less risky borrower. Think twice before closing old accounts before a loan application. • Recent inquiries â€" When a lender or business checks your credit, it causes a hard inquiry and a slight ding to your credit score. Apply for new credit in moderation. • Types of credit â€" A healthy credit profile has a balanced mix of credit accounts and loans.
Answer by Jaime
It might hurt your credit score to close them but keep 1-2 credit cards and use those and your credit score will climb back up. Keep a visa and a mastercard and use them. Just be responsible with them and you'll have no issues.
Answer by Beer Boy
It will NOT hurt your credit to keep them and not use them. It would be better to use them now and then to show fiscal management - assuming you pay on time - whether in full or revolve. If you do cancel some of them and therefore reduce your overall avail credit - you may see a small hit on your FICO score - as it does look at the % you use of your total available credit - therefore, this % should increase if you eliminate lines. However if you stay under the 60% mark - it should not have much impact. So if your combined credit line (all cards) was $ 5000 and you use $ 2500 - that's 50% - and should be OK. PS If you are paying annual fees on any of these "unused" cards- you may want to think about eliminating those first. Hope that helps
Answer by countrychic70
Here's some good rules of thumb when it comes to credit...keep a small balance always on all your cards.....take one card on which you have the LARGEST credit amount and max it out every month (and then pay it off completely every month.) you can do all your grocery, gas costs, etc, on this card...what this does, it shows your creditor that you're capable of handling bigger credit amounts and they'll grant you more credit...if you're looking to raise your score, here's a tool that improves your credit to debt ratio immensly...they report monthly to both experien and fico and you get instantly approved, NO MATTER WHAT YOUR CREDIT SCORE..yes really true! ...once your credit to debt ratio improves, your score will rise, and this tool accelerates the process ! very few useful tools like this on the internet....www.credit-treasures.com I've had a really good experience overall and they deliver on what they promise !
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