How to choose a best credit card? I am a college student. What are the features that I should focus on?
Apr 26, 2009 in
Credit
astrosatdal
What are the things i should do after I choose a credit card? How to maintain the best credit score? How does credit score work? I want to know everything about credit card.
What are the things i should do after I choose a credit card? How to maintain the best credit score? How does credit score work? I want to know everything about credit card.
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8 comments
Angela N on April 28, 2009 at 11:44 pm
Low Credit limit. I have one from Capital One. Got it to build credit. I have a $500 limit. Anything over that is scary.
jloertscher on May 1, 2009 at 6:09 am
Don’t get one!!!!!!!!!!!
You’re just going to have to trust me on this one.
pokerplayer528 on May 2, 2009 at 10:00 pm
The following site has a link for student credit cards. It has a lot of good info. You should check it out
AB on May 5, 2009 at 10:46 am
The things you need to look for in a credit card are ones with no annual fee and a low APR. Since you’re in college, you probably get tons of 0% introductory rate cards in the mail. Any of these are ok, but just be aware of the fine print. To maintain the best credit, purchase one thing (gas, groceries) once a month. When you receive the statement, pay the balance in FULL as soon as possible. Make sure you never miss a payment or spend more than you can afford. Go to for additional information. FICO scores are very complex. Go to.
sam on May 5, 2009 at 1:26 pm
MasterCard is best for you,
Guaranteed Approval Debit MasterCard -FREE Online Check Writing, FREE Direct Deposit. No credit check 100% Approval
shahab a on May 6, 2009 at 6:51 am
go with a student card, go here to compare credit cards.
moviegoer_j on May 8, 2009 at 1:46 am
The only rule to remember is: Use your credit card as if you were spending your cash, then pay off your balance every month. If you do that, you’ll build your credit score, and then you can reap the *rewards* from rewards cards.
The two best college student rewards cards are the Citi mtvU card and the Citi Driver’s Edge for Students card. (However, the best card for *you* will always depend on how much you spend in various categories like gas, restaurants, entertainment, etc. since each card offers different rewards percentages in different categories.)
You can compare your expected rewards from some of the best student credit cards here:
lacy k on May 8, 2009 at 11:39 am
Get started with a Chase Student Card. It’s a great way to establish your credit history, control your finances and get special student benefits too.
Chase +1SM Student Visa® Card with Flexible Rewards. When you buy your clothes, gear and tunes why not choose to reward yourself? Save with low interest rates, get great cardmember benefits, and establish your credit history at the same time.
YOUR CARD FEATURES
Introductory APR* 0% fixed APR Calculate Your Savings
Purchase APR* A variable APR, currently as low as 18.24%
Reward Earn 1 point for every $1 you spend in eligible purchases and redeem for your choice of travel, cash, merchandise or gift certificates/gift cards.
Bonus $20 Amazon.com® promotional certificate†
Benefits
Benefit Details
Annual Fee None
for more details: