What credit card company offers a card for a student that does not have a credit history at all?
Credit Card
compu s asked:
Preferably a credit card that offerers an affinity program with an airline mileage partner.
Thanks
And hopefully doesnt have a yearly fee, or the fee is waived the first year.
Eddie
Preferably a credit card that offerers an affinity program with an airline mileage partner.
Thanks
And hopefully doesnt have a yearly fee, or the fee is waived the first year.
Eddie
December 16th, 2008 at 7:27 pm
Please, please listen to me. So many college students sign up for credit cards and wind up with thousands and thousands of dollars in high-interest debt. Here’s the way to do it right:
Go to your bank. All banks offer credit cards called “secured visas”. You give the bank $500, and they give you a credit card with a $500. limit. After 6 months or a year, you can expand your line of credit. After another set time, you can get your $500. back and have an actual line of credit. The interest rate is reasonable on a secured visa.
Avoid those little card tables with the prizes and t-shirts set up on campus. They’ll charge 18-25% interest and they LOVE indebting college students, whom they know have NO self-discipline when it comes to using credit.
December 18th, 2008 at 3:20 am
check out here you will be able to compare all major credit cards side by side on rates, fees and rewards.
December 18th, 2008 at 9:29 am
Without any credit history, you may not qualify for credit cards that offer rewards such as airline miles. You may also have to be employed to qualify for those types of credit cars. In your situation, you might have to first get a standard credit card to build credit. After you’ve had that card a while with good bill paying habits, you will eventually qualify for a credit card offering rewards. Here are some good student credit cards:
And here are some good rewards credit cards:
If you do not get approved for credit cards advertised for college students, the other option is prepaid or secured credit cards as mentioned above.
December 19th, 2008 at 9:13 pm
This site has the list of top student credit cards available.
Without credits, you might want to try this option
December 20th, 2008 at 7:32 am
There are several good rewards cards for college students — e.g. the Citi mtvU card (5% rewards at restaurants and entertainment) and the Citi Driver’s Edge for Students card (3% rewards at gas/grocery/drug stores).
You can use this rewards calculator to find the student rewards card that will pay you the most for your normal spending profile:
Note that the best way to use credit cards is this:
1. Get a good rewards card(s)
2. Funnel most/all of your normal spending through your card(s) without max’ing them out
3. Always pay off your balance in full every month
That way you’ll:
1. Build your credit quickly
2. Avoid interest
3. Earn great rewards
I’ve been doing this for many years and it’s worked extremely well.
December 21st, 2008 at 5:02 pm
you might want to go here