Finding Credit Cards For College Students






So, you’re on the Internet (obviously), and you’re looking for a college student card. That’s great! But, the only downfall here is that you don’t know where to start, because like anything, you’re new to the ballpark, and you need someone to hold your hand, and take an initiative. That’s okay, because I was there before, and I can understand where you’re coming from.

Thankfully, with some of my expertise, and your knowledge, I can show you exactly where to find the best student cards on the market today. Since the market changes all the time, and new cards come out every month, it seems like, let’s get a path to success, when it comes to your credit card.

Google is your friend: Yes, Google is everyone’s friend. Whether you want a recipe for chocolate chip cookies, or you want a college card, it can find it. Use simple terms to find what you’re looking for. Something such as “student credit cards” shall do. Try not to overdo is such as typing in “where can I find the best student credit cards in Milwaukee, Wisconsin?” This most likely won’t drive any good results.

I know you’re expecting a secret sauce, or the next big secret, but really, that’s it! The other thing that you can try to see if it works is to simply as friends at your college to see where they got their card, and if they like it. If you can accomplish these two, maybe you shouldn’t get a card?

Posted in Credit Cards at July 29th, 2009. No Comments.

Student Credit Cards Are A Step Towards Financial Responsibility






A recent addition to a college student’s must-haves is a credit card. Along with the cell phone, the credit card is becoming more and more prevalent among young people ages 18-25.

Perhaps it is but natural for credit companies to mine this previously untapped market. More and more products and services are being targeted towards these customers. And the more cool stuff is out there, the more they will want to buy – if not with cash, then on credit.

Unfortunately, the problem with swiping away plastic is just that – students fail to realize that with each swipe they are one step closer to debt, which they may be unable to manage. That is why it is important that the right information on the judicious use of credit cards be made available to students.

That is not say that a credit card per se is a bad thing. In fact, when used wisely, it becomes a smart way for young adults to build their credit history, which they can continue to build on as they becoming self-supporting professionals.

Having a credit card also teaches students financial responsibility – showing them that it is important to live within means. It makes them aware of concepts such as principal, interest, balances and debt. The earlier they get comfortable with these, the better they can cope further on in the future.

On the other hand, young adults can still be prone to financial naiveté particularly when it comes to fine-print terms and conditions. Perhaps in the excitement of being issued their own credit card, they may simply skim over, if not totally forgo, reading the terms and conditions the credit company stipulates over the use of the credit card.

It is possible for someone of that age to be content in knowing that their card offers 0% APR. What they may not be aware of is that the offer is for a limited time only or that if monthly payments aren’t fully paid, a high finance charge will be applied.

Although nearly 80% of college students today own more than two credit cards, it is unfortunate that less than half are able to pay off the monthly balance. This only proves to show how little effort is made to educate students on the right usage of a credit card.

If you’re a student considering getting or already owning a credit card, or if you know someone who does, here are some things to help you get started on learning how to use a credit card wisely and to manage finances in general.

- Consider the nature of your income and how much of it is stable income.
Credit card statements come in monthly. Therefore, you should know how you would get the money to pay for these. Stable income is important because you will be relying on this to make those regular payments. If you don’t have a steady source of income, rethink getting a credit card. Continuing with one in spite the lack of a stable income will run you into debt in no time.

- Observe your credit limit.

Unless you specifically ask for it, a credit company will set the limit for you. To avoid unmanageable debt, your credit limit should be around 25% of your stable monthly income. So even if you’ve topped off your credit, you’ll still be able to pay off the monthly balance. If your credit limit is beyond 25%, call your credit company right away and ask for an adjustment.

- Designate purchases

Credit cards should not be your primary method of payment. It should only be a means to bridge gaps in your cash flow. As early as possible, develop the discipline to limit certain purchases for your card.

For example, it is a practice of some to charge important things such as rent and utilities to a credit card. The rationale for which is that even if the cash income is delayed, payments for the essentials will not. However, the idea is that the balance will be fully paid off by month’s end.

These tips should get you started as you build a good credit history. You may start out small now, but as you learn good financial management early on, in the future, handling bigger things will hopefully be easier.

Posted in Credit Cards at April 17th, 2009. No Comments.

Should College Students Have Credit Cards? The Pros and Cons

Like any situation, there are pros and cons to whether or not college students should have credit cards. Bear in mind that, like anything major, everything depends, first and foremost, on whether or not the student is financially mature and responsible.

Statistically, about 76% of college students have at least one credit card; many have more than one. One of the major pros to having one is the fact that, if used responsibly, they can help young adults build credit. After college, having credit is very important, as it helps one get a car, a house, and other forms of credit. So, not having the credit that is accumulated by a credit card can be crippling.

Of course, there are two sides to every coin. If the student is irresponsible with the credit card, It could lead to high debt and a poor credit score.

Despite this, credit cards also have many more pros. They guarantee protection in purchases, enable online purchasing, and guarantee relief in times of emergency. Knowing this, any parent can feel secure that their child is well looked-after.

Credit irresponsibility can also be addressed. If you, as the parent, don’t believe that your child is responsible enough to handle a credit card, all you have to do is explain everything about credit and credit cards to them before they leave for college. You can explain to them how they will need good credit after college, and how to maintain that good credit through responsible credit card use. Explain to them where the money for credit cards comes from, and how to avoid identity theft, and how to use it responsibly and maturely.

Though the cons may be serious to owning a credit card, they can be turned into pros, as parents influence their children to credit card responsibility.

Posted in Credit Cards at March 5th, 2009. No Comments.

Flyers And Politics

The best part of flyer printing is that it is the easiest and the cheapest way of spreading your political message across to the masses, on a piece of paper. By distributing flyers people can read your messages at their leisure. This makes your appeal simple and free from any confrontation. You can reach the masses by pasting your flyers on billboards, or by distributing them, or by mailing the flyers. Though many countries have banned the pasting of flyers, there are still many countries where pasting of flyers is prevalent. There are various sizes of flyers available, such as A4, A5, DL and Credit Card or CC flyers. You can choose the flyer based on the requirement of your party, and the message that you intend to convey. Flyers are useful in sending the right message and information about the party to the masses.

Nobody knows the exact time when flyers came into existence. There have been instances in 12th century when flyers were used resistance groups and parties to send messages to the people. The main intention of these groups and parties was to gather as many people as possible for their cause. This was hugely successful, as it was cheap and had a wide reach. Today, with the arrival of desktop publishing, the use of flyers has gained prominence. Desktop publishing has not only made flyer publishing quicker but also cheaper. Today, thousands of flyers can be printed instantly with the help of desktop publishing. The internet is another reason flyer printing has become easier. Designs of flyers can be easily sent from one place to another with the help of the internet. Once these designs are approved, the flyers can be printed using desktop publishing.

With so many political advertisements splashed across various mediums, people become bored and start ignoring them. So it important your political flyers should be interesting, and influence as many people as possible. The main aim of your flyers should be to present your party’s ideology to the masses in a simple and appealing manner. Today, people have limited time to read flyers, so it is important that you keep it as brief and precise as possible. Make sure the political flyers that you prepare are easily understandable by ordinary citizens. Don’t use jargon and phrases that can be understood by only a select few. The flyers should not be overcrowded, as people find it difficult to understand the message that your party intends to convey. You can use the services of a professional when designing the flyer of your party. A professional will help to make the flyer appealing, so the masses can be influenced using them. It is important that your flyers shouldn’t have any grammatical and spelling errors. This will have a negative impact on the popularity of your party. You can include the pictures of your popular political leader, to increase your appeal. Make sure the flyers have your party symbol, as this will help people identify your party at the time of voting.

Flyer printing is a useful and important tool that most political parties use for campaigning and protests. So it is important that you use this age-old tool effectively and efficiently.

Posted in General at January 30th, 2009. No Comments.

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