One day on your university, you have seen the representatives from credit card companies while you are having problems how to manage and save your expenses.
Using credit cards are not bad as long as you know how to use them in moderation.
And if you figure out that you badly need to apply for credit card, you need to select which card will work best for you.
oSelect the type of card with the longest promotional APR period.
Most cards usually give zero percent interest for six months.
Maintain reasonable charges during this time and pay off the balance before the promotion end.
oFind the rates that follow the introductory APR Majority of the college student credit cards are provided with maximum rates after the promotional period has ended.
Before you decide to apply, it's advised that you first compare offers and look for the lowest APR available.
oFree gifts might appeal attractive on the eyes of the student, but this needs to be ignored.
Any items with promos should not be part of your decision to apply for a credit card.
oBy getting a college student credit card issued from a national bank, you get the advantage of establishing your credit.
Cards from established banks will surely enhance your credit foundation.
oSelect a college student credit card with rewards program.
This entitles you to avail either cash back or credit towards select merchandise.
Keep in mind that you can always ask the support of your parent or guardian to be your co-signer if you anticipate that will not be able to get a credit card on your own.
As much as possible, don't pick cards with annual fee.
You can select many credit cards that don't require you this kind of charge.