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Getting Approved For A Student Credit Card

May 28, 2008
If you're new to the credit card game, you probably don't have idea on how the credit card market works. Before most people apply for their first card, they don't even think of what kind of cards they can apply for. Most appliers make the mistake of applying for the first credit card they see which is a big mistake because most of the time these credit cards are designed for people with established credit.

When people start their hunt for a credit card, they never think of the options. If you're going to school, you can be a huge candidate for a student credit card. A student credit card is made for a student going to college and if you have no credit or you have credit, the chances of getting approved are great. Now, if you're not going to college, you'll want to look elsewhere such as a first time credit card or possibly a secured type credit card.

Now, the question everyone wants to know is how exactly do you get approved for a student credit card? As I mentioned above, if you don't have any credit at all, you're going to be the best candidate. This is exactly what the credit card companies are looking for. They want someone that has no credit at all so they can swoop in and grab them as a customer. They are hoping that throughout your life, you will choose the credit card company that first approved you.

The reason why student credit cards are so easy to get is because card companies generally give you a very low limit of about three to five hundred dollars. They figure that if you don't pay off your bills, you will have your parents to rely on since most college students keep in touch with their parents. The process of applying is nothing different than a regular card if you've looked at those applications before. The application requires some personal information such as your address, name, social security number, and a few other questions.

Getting approved for a card isn't hard at all. Just make sure that you're honest on your application and that you do your research on the card you want to use for the life as a college student. You won't want to apply for a card and find that you don't like it. The more cards you open up, the more credit you'll be open to on your credit report making the chances of you getting more cards in the future very slim.

Once you get how the credit card game works and you learn how to use your card properly, you'll find that you'll be able to apply for any card in no time. It usually takes a few years to establish your credit before you can apply for a regular based credit card. Make sure that you're responsible with your card and you make your payments on time. If you can do this, any credit card can be in your future.
About the Author
Find a student credit card and more of Tom's work at FINDcollegecards.
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