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Guides to Apply For Student Credit Cards

Jun 28, 2008
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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