Should You Consider a Student Credit Card?

April 15, 2020

Are you a college student? Are you the parent of a child who’s currently attending college? Are you interested in learning more about student credit cards? While a credit card isn’t a good idea for every student, it often makes sense for those who are responsible with money. If you’re interested in applying for a student credit card, here are some of the many benefits you can take advantage of: 1. Establish a Credit History Above all else, a student credit card allows you to establish a credit history before you leave college. And as long as you use it
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No Credit? Use a Secured Credit Card to Achieve a Good Credit Score

July 22, 2019

A good credit score isn’t something you achieve overnight. It takes hard work, dedication, and a sound financial approach to take your score to new heights. If you have little to no credit history, it’s common to become frustrated with your situation. No matter how hard you try, you can’t seem to make as much progress as you would like. For example, you may struggle to obtain an unsecured credit card. After all, credit card issuers typically want to do business with consumers who have a good or excellent score. While slow and steady wins the race, there are some
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Quick Tip: Applying for Credit Card

Applying for a credit card is generally a decision based on your personal finances. For instance, a credit card is one of the best tools for building your credit history after graduating from college. That’s a good reason to apply. Conversely, if you’re searching for a credit card to make a purchase, you'll need to consider other factors like if intend to carry a balance.

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What Do the Best Student Credit Cards Offer?

July 15, 2019

It’s one thing to show interest in a student credit card, but another thing entirely to make the right decision at the right time. Student credit cards are designed for consumers ages 18 to 22 with limited or no credit history.  Do You Qualify? As a result of the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009, credit card issuers were forced to make changes to marketing practices and the type of consumers they target. Here are a few things to remember : Credit card issuers are not permitted to offer tangible items, such as t-shirts or food,
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Answer These 5 Questions Before Applying for a Student Credit Card

July 10, 2019

Are you interested in applying for a student credit card? Are you ready to make your move, but have some concerns about how it’ll impact your finances? With so many benefits (more on this below), you may soon realize that a student credit card is just what you need to improve your financial circumstances.  If you’re hoping to apply for and secure a student credit card in the near future, answer these five questions as soon as possible: 1. How will you use the card? Don’t apply for a student credit card with the idea that you can spend recklessly.
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Quick Tip: Check Your Credit Score

When was the last time you checked your credit score? Can you remember, or was it so long ago that it has slipped your mind? While there’s no good reason to check your credit score every day of the week, you should get into the habit of doing so regularly. Check out is this great article on the topic.

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5 Reasons to Co-Sign on a Student Credit Card

July 5, 2019

Is your college age child interested in applying for a student credit card? Are you concerned about their ability to manage their spending in a responsible manner? Are you hesitant about co-signing? There’s no denying the fact that co-signing on a student credit card for your child is a big decision. Not only are you on the hook if something goes wrong, but you may also have legitimate concerns about your child’s ability to manage their spending. However, there are five reasons to strongly consider this: 1. Your Child Needs Your Help Unless your child is over the age of
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5 Reasons to Apply for a Student Credit Card

January 21, 2019

As a college student, you’re well aware of the financial struggles you face. Even when you feel down and out, it’s important to realize that there are answers to all your problems. For example, there may come a point when you consider the benefits of applying for a student credit card. As such a big decision, you don’t want to sign on the dotted line until you’re 100 percent confident in your choice. If you’re on the fence, here are five reasons to apply for a student credit card: To establish a credit history: Why wait until you’re out of
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