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Student Credit Cards for Prime Credit

 
 
 

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Student Credit Cards for Prime Credit

We help you find low rates. Let's see if you qualify. Act now and apply for Student Credit Cards with terrific options like:

  • 0% APR Introductory Rates
  • Cash Back Rewards
  • Airline Rewards
  • Bonuses
  • No Fee Balance Transfers

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Once you are approved for your new card, make sure to keep your balance at a minimum and pay your monthly payment on time. Doing this will ensure that any revolving accounts you possess will always be available for use at any time. Start here.

 


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Student Credit Cards for Prime Credit - Knowing The Choices

If folks have Prime Credit, how will they know which Student Credit Cards to pick when there are so many options? This article will break down a couple kinds of cards to give you a helpful understanding of the pros of each:

Money Back - With a Money Back card, customers are offered a rebate that equals a percentage of their purchases. For example, if there is a Money Back option that provides 5% cashback on groceries, fuel, and pharmacy items, as the rewards accumulate they earn cash value. If you pay one hundred and fifty dollars in gas, groceries, and drugstore items every 5-7 days, at the conclusion of a year, about four hundred dollars in cash would have accumulated.

Redeemable Points - In lieu of giving cash rebates, some issuers present customers with points programs. Customers get points for making purchases. As purchases are made, the points add up. When you earn enough points they can be redeemed for great stuff, such as free rental cars, gift cards, subscriptions, and so on. It is important to know whether or not the Student Credit Cards for Prime Credit you apply for offers a points program.

Petro Bonuses - Card Issuers are often times considerate of the price of gas and will reward consumers for using their credit card by offering them a prepaid gas card. As purchases are made, points are earned. Once you have completed enough transactions to accumulate a certain amount of points they can be redeemed for a free prepaid gas station card. The cool thing is, with some cards redeemable fuel rewards can be accumulated when buying fuel.

Points for Free Rental Car Upgrades, Hotel Rooms, or Frequent Air Travel Miles - When these cards are used, customers can earn frequent traveler's points that can be redeemed for free travel. Once enough points are accumulated, they turn into vouchers that can be used for discounted or free travel arrangements like rental cars, hotels, or even airline tickets. Frequent travelers really like these rewards.

Zero Percent Promotions - In the beginning when these credit cards are utilized, there are no finance charges that are applied. This time period usually spans six months up to a year. Typically, customers are advised to utilize this interest-free period to transfer outstanding balances from their interest bearing Student Credit Cards to one of these and create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Paying the bill on or before the due date is imperative. When a single payment is paid after the due date, most times zero percent APR rates go up to a different rate. Folks that are applying for Student Credit Cards for Prime Credit, and have the opportunity to sign up for a 0% promotion ought to think about this card.

Secured Cards to Re-establish Credit - People that have this type of card would insert a specified amount of cash into an account that can earn interest while it is there. This "is why the card is called "" secured"" ." Once the account is set up, a credit card is offered with a line of credit equal to the opening balance of the interest bearing account that was created. When purchases are made the amount of that transaction is deducted from your available credit balance, low rate regularly scheduled payments are calculated, and payment plan is given to you. Just like any other credit card, when you use it you will receive a payment plan. Secured Cards to Re-establish Credit are terrific because they perform like regular credit cards allowing you to do things that debit cards may not, like making travel arrangements including vehicle rentals that usually do not accept debit cards. When applicants have bad credit approval is usually guaranteed regardless of your credit score. However, keep in mind that most secured card issuers report the way you pay your bill to Experian, Equifax, and Trans Union. This can be a good method to show creditworthiness by showing scheduled payments no matter if you have Prime credit or not. After paying a certain number of consecutive timely payments, many times the limit can be increased without asking for additional collateral.

Reloadable Prepaid Credit Cards - With a Reloadable Prepaid card, there is no question about the credit limit. Similar to a regular bank account, you put money in and this becomes your spending limit. As the prepaid card balance becomes depleted, it can be reloaded with more money and used again. Prepaid cards work well as gifts, purchases can be tracked, and they are a great solution for those that cannot acquire a normal bank account. Quick approval is usually not a problem regardless of your bureau report and there is no need for the prepaid company to contact the credit bureaus.

With all of the different varieties of Student Credit Cards for Prime credit and bonuses that are available, there is something for everyone. Seek Student Credit Cards that offer rewards that match your lifestyle and spending style. Stay smart and always try to keep your purchases at less than half of your credit limit and make more than the minimum payment every month. Awesome credit is a wonderful asset.

To make sure that you keep growing a prime FICO profile, follow these simple tips:

1. Keep your bill less than the card's max. Simply put, do not "max out". The banks encourage their cardholders to keep a bill that is no more than forty percent of the maximum spending limit on any Student Credit Cards for Prime Credit.

2. Do not default on payments. Even if you cannot make more than the minimum payment due, pay it. When payments are made more than 30 days late, it could be told to Experian, Equifax, and Trans Union. This negatively affects your FICO report. Additionally, when this happens you may also experience more points on the card's interest rate as a result of a solitary past due payment. Thus it is recommended that consumers make this bill payment a financial priority.

3. Pay the balance completely every couple months. When you make purchases, do your best to pay it all off at least once a year. Afterward, it is okay to start using the card again and after a couple of billing cycles, pay the whole thing off just like you did before, and keep utilizing this approach as you complete your monthly budget and annual financial plan. This sequence indicates to the lenders that you can be an excellent credit candidate. Some of the other benefits of this approach are a lower interest rate, a higher credit max, and a better credit profile.

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Student Credit Cards for Prime credit are easy to find. Click now to apply for a solution that suits your situation.

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