More and more credit card companies are now issuing student
credit cards. A student credit card is a students first
experience of handling finances independently and entry
into the world of credit card usage. It teaches them how to
spend and how to save. Credit cards are issued to students
only after one of their parents signs their consent. This
is also done to keep track of the credit card holder and
ensure returns on time.
You can apply for your student's credit card as soon as you
become 18 years old. To apply for a students credit card
first of all you will have to fill out a form of that
company or bank whose credit card you wish to apply for. To
get more information about various companies that offer
credit cards, visit their websites and study their terms
and policies well. Also take a good look at all the
facilities that they claim to provide you with. If in doubt
seek the help of an elder who has already been using credit
cards. Different companies have come up with their
different schemes to lure customers. Go through all these
schemes carefully and also go through their terms and
conditions like last date of making payment and so on. When
you have decided on a company or bank, go visit them in
their office and apply.
To apply for a student credit card you must be above 18 yrs
of age, must be a resident of United States and must have a
valid social security number. To apply for a students
credit card you will have to first of all fill out an
application form providing details about yourself, your
place of residence, your vehicle information and so on. You
also have to provide your bank account information so make
sure you have a personal bank account when you apply for a
students credit card. The bank will also ask you to add an
authorized user so that in case you don't pay up they will
take up your responsibility. Credit card companies have to
be extra careful with students as they have no credit
history to verify their claim. When you fill out your form,
try to answer all the questions as it helps in verification.
You can also apply for your credit card online. All credit
card companies use encryption technologies to protect the
sensitive information provided by customers so it is
perfectly safe to provide your details and make your
transactions online. In fact applying online is much more
convenient. You will get your credit card within a week or
two of applying depending on your company. When you get
your credit card you can use it for making purchases,
paying your bills and much more. Make sure you pay back in
time otherwise the interests could mount up and cause
problems for you. So make sure you use your credit card
carefully and always remember to keep your credit card
number a secret.
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