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Student Credit Cards
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Obtaining a credit card while in college provides a number of benefits to those entering the adult world. Whether you need to learn how to budget money, need a convenient way to pay bills, or start building a solid credit history, student credit cards are a great way to do all that and more.

Student credit cards typically have low spending limits, but building that credit history starts immediately. And a good credit history is important later for getting car loans and eventually a mortgage. A student credit card can also be a lifesaver if a financial or personal emergency comes up when you're otherwise short on cash. And let's not forget the convenience of using a student credit card versus always searching for an ATM machine when you're low on time.

When looking for a student credit card, there are a number of factors you should consider. Some of these include:

  • Annual fees. Many student credit card companies charge no annual fees for those in school. However it's imperative to read the fine print and understand what charges you may or may not incur.
  • Interest rates. Credit cards are a great way to build credit but there's a cost associated with borrowing money. Consider what the annual APR is with any credit card you consider before applying. If you plan paying off your credit card every month, then the interest rate isn't a factor but should something come up it's good to know what the charges will be.
  • Penalties. Credit card companies make money when your payment is late or when you go over the credit limit. Understand what penalties exist with any credit card you're considering.

TopConsumerReviews.com has reviewed and ranked the best student credit cards available today. We hope these reviews help you find the right student credit card and begin building your credit history today!

2016

Student Credit Card Reviews

6 Ways to Up Your Odds of Getting a Mortgage

1. Get Your Paperwork in Order You'll need W-2 forms for the past two years, paycheck stubs from the past few months, proof of previous mortgage or rent payments for the past year, a list of all your debts, including credit cards, student loans ...

Published:  Wed, 28 Sep 2016 04:11:00 GMT



Today's Finances and What To Do - Part 2

Yesterday I stated some of today's financial problem for many people; I tried to state the problem. Today I would like to discuss something about solutions to the problem. The real question is, do you control your finances or do your finances control you ...

Published:  Wed, 28 Sep 2016 05:15:00 GMT



TransUnion: Rate hike could cause payment shock for 9M borrowers

The company used its CreditVision aggregate excess payment algorithm, which incorporates monthly payments from mortgages, credit cards, student loans and other debt obligations, to determine a consumer's capacity to afford an increased monthly payment.

Published:  Wed, 21 Sep 2016 13:06:00 GMT



Here's how much money you need to make to feel satisfied

You can find out how much money you really need by calculating the following: Your total debt. (Credit cards, student loans, car loan, mortgage, etc.) Your monthly debt payment is determined by how quickly you want to be debt free. Your monthly living ...

Published:  Wed, 21 Sep 2016 16:12:00 GMT



U.S. Household Wealth Rises to Record

Household net worth is the sum of all assets, such as homes, stocks, bonds, vehicles and cash, minus all debts like mortgages, credit cards, student loans and auto loans. The data underscores the U.S. economy's round-trip over the past decade.

Published:  Fri, 16 Sep 2016 10:02:00 GMT



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