To arrive at the top 5 picks above, we used a robust set of criteria that included annual fee, regular APR, foreign transaction fee, sign-up bonus, credit needed, rewards rates and categories, redemption options, ease of application, student-specific benefits, customer service, and more. Of these different factors, the following were the most important in distinguishing credit cards from merely "good" to a top choice for students:
Print I received my first credit card while I was in college. It was a gas credit card. Interestingly, I did not apply for it. The company sent it to my college post office box. Of course, I already knew about the dangers of credit cards because my dad had given me a credit lecture while I was in high school.
Succinctly put, he gave me the advantages and disadvantages of credit card use.
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The biggest thing that he told me was not to go into debt using a credit card because it was easy to do. The second thing that he told me was that your credit history would affect your ability to make major purchases such as houses and cars.
He said that if you had bad credit your chances of purchasing the aforementioned were not good. Another thing that he told me was if you use the credit card pay it off before the interest increases the amount owed. As I have grown wiser through the years, I have come to realize what sage advice he gave me.
As we know college students are getting more opportunities to establish credit. Department stores, car dealers and lending agencies are giving members of this generation a chance to be real contributors to the GNP Gross National Product.
Zero percent financing for one year and no credit checks are some strategies used to entice people, agesto buy now and pay later. They can now secure a loan without much collateral. They are so eager to get the money that they forget that, if payments are late, then you must pay the principal plus the late fee.
Car companies are also trying to seal the deal. They are making low interest rates and lease options more attractive than ever. So, in some cases, it is not surprising to see the very young in the very new. Times have changed so we must all adjust as best we can.
The one thing that has not changed is your credit history. If our credit is good and we pay our bills on time, then creditors will see us as a good risk. The credit card industry is getting rich on college-age students. They argue that the marketing of credit cards to college students is out of control.
Fortunately, there are fewer and fewer credit card companies on college campuses today. Some colleges have taken the bold step to ban them from campus. Now banks and credit unions will come to a campus and talk about all of their services.
And of course one of those services is credit cards. In addition some schools will also include credit counselors who will talk with students about how to establish good credit. Many of these initiatives are being implemented during new student orientation programs while parents and grandparents are still on campus.
Young adults not in college face some of the same challenges when they go to the mall. The temptation to sign on the dotted line is great.Is writing a research essay difficult task for you?
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One of the most stressful aspects of the college application process is the essay. Most students worry about what an admissions officer looks for in a writing sample. A professional college adviser explains why you should ignore the Common App's essay prompts until after you've written your essay.