Student Credit Cards - Best College Student Credit Card Offers

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Compare student credit cards and other credit based products like student loans. Apply online securely with your desired credit card company only when you are ready to take the next financial step towards obtaining credit.

Student Credit Cards.com approach is educational yet neutral and easy to understand as we present both informative articles and a selection of credit cards for college students.. When you are ready to apply for a credit card, take your time, compare credit card offers, companies and designs and learn the basics of good spending habits and then apply securely online for a student credit card.

A damaged student credit score can have an adverse effect on an individual’s ability to make the major purchases of life such as a car or a home. It is never to late to actively work on improving that credit score and avoiding additional credit problems down the road, including the inability to be approved for a student credit card.

Proper student credit card management begins with a planned budget. Unfortunately, planning and executing a budget is not easy. It requires discipline to ensure the financial plan is followed faithfully. Additionally, budgets should be livable and realistic. In other words, when planning a budget, use real financial figures and be honest about your expenses and spending habits. With a budget in hand, the consumer and student can plan for and pay for their expenses each month.

When planned effectively a budget can help a student in paying bills on time. If the goal of the budget is to pay off debt and thus increase the credit score over time. While budgeting is a helpful tool that can help improve a credit score, some college students find it difficult to maintain and accomplish on a consistent basis. Therefore, in certain cases credit counseling for credit cards may be necessary to set the student on the right track. Creditors are likely to work with someone if they appear to be taking the steps to improve their credit standing and pay off what they have charged on their credit cards.

The best college student credit cards are the credit cards that fit the needs of the respective the best. A student credit card can be combined with college student loans to responsibly pay for school expenses such as books. Paying off the entire balance of student credit cards every single month can increase a credit score.

OCTOBER 2008 update for student students : be sure to carefully educate yourself regarding "want" vs. "need" spending with student credit cards. If a college student does not "need" to purchase an item, it is wise to "not" purchase it unless it's part of a budget. Learn credit myths and tips in our credit cards blog.

Citi® Divided Platinum Select® Card for College Students	No annual fee No Co-signer or minimum income required Free online account management 0% APR* for 6 months on purchases, cash advances and balance transfers $0 liability on unauthorized purchases Click on the card for info / application.
Capital One® Standard Platinum for Students	0% APR on purchases until February 2009. After that, variable APR, currently 19.80% $0 fraud liability if your card gets lost or stolen No annual fee or balance transfer fees Click on the card for info / application.

Citi® Platinum Select® Card for College Students	Citi^® Identity Theft Solutions No annual fee No minimum income or cosigner required 0% APR on purchases, cash advances and balance transfers for 6 months Student Discounts Click on the card for info / application.
Citi® mtvU(TM) Platinum Select® Visa® Card for College Students	VIP Passes to mtvUs Spring Break, Tickets to MTV's Video Music Awards No annual fee. No minimum income or co-signer required. 0% APR on everything for 6 months. Click on the card for info / application.

SEE ALL STUDENT CREDIT CARDS : HERE.

As an official adult and college student, it is your responsibility to maintain your college credit card debt. A good way to do so is to know and be able to identify the five major indicators of overspending. Five credit overspending signs include:

1) Only making the minimum credit card payment.
2) Always making the payment late more than once.
3) Meeting or exceeding the credit card limit.
4) Using one card to pay the minimum payment on another credit card.
5) Working overtime, and studying less, to cover credit card payments.

College students with student credit cards can sometimes use the assistance of a credit counselor if they have gotten themselves into trouble with their finances. Taking this step early can help them understand the importance of credit and the impact on their future.

The best advice for someone just starting out in the world is to protect his or her credit score carefully. Credit cards can be a benefit or a headache depending on how they are used. Be a responsible credit card spender by never using more than 50 percent of your credit line, making monthly payments on time, and paying more than the minimum payment each month.

Student Credit Card Registration Services

Protecting your student credit cards is becoming more prevalent each day. While certain student credit cards offer various protection plans, there is a way to guard all your credit cards with a single service.

Students who enroll their cards in credit card protection services have a unique advantage when a credit card or entire wallet is lost or stolen. With one phone call, all of the cards registered through the service can be cancelled and the credit card companies notified. Additionally, the service offers protection from unauthorized charges accrued if a stolen credit card is used. Registration companies contact the student credit card issuers immediately to report the credit card as lost or stolen.

Thanks to the Fair Credit Billing Act (FCBA), a credit card owner is only responsible for up to $50 of fraudulent charges. Furthermore, major credit card companies including American Express, Visa, and Master Card offer liability policies that cover complete reimbursement for illegal charges.

Student credit card registration services, however, tout other perks card companies don’t. For example, a consumer can utilize his or her registration service to make an address change on all the cards they own. Good news about credit card registration services is some are now affordable at $10 to $40 per year. Independent agencies charge an annual fee in the $60 range.

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