Mystic Wolf asked:
I recently started college and want to start working on my credit. I recently own a debit card. I also have money so paying off the credit card wont be a problem for me. I am very responsible when it deals with money. I dont know if I should get either American Express, Discover, Visa, or Mastercard. I have to banks which are IBC and Wells Fargo. Please help!
ps. i am responsible!
with low apr, no annual fees, & etc…
As the name suggests, a student credit card is specially designed for students and is very different from your regular credit card. Because it may be the first time for college students to apply for a credit card, most credit card companies designed their student credit cards to be a form of secured credit cards.
It will help a student to avoid accumulating high amounts of debt because of reckless spending. If you need groceries, or that recommended book but you don’t have the money for it, then it may be time for you to use your student credit card. It is good if you start learning good financial habits from your student life itself. Don’t use the card to pay for everything and anything. Use it judicially or it will land you in a debt to repay after the college finishes. Check out a popular student credit card list at: and apply online for a best one according to your choice.
Hi
I have a Student Discover credit card, and I did not have to pay any interest for the first 6 months. I now have to pay a low interest rate, and if you pay on time, you will get a large cash back bonus.