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Consumer News

Student Cards

These days college students are flooded with offers from card issuers. students are flooded with offers from card issuers. Many credit card issuers, realizing the potential market with college students, are working harder than ever to get student customers since they believe college students will keep their credit cards for a long time after graduation. As long as they are over 18, students can get a card without asking mom or dad to co-sign.

A credit card is a great way for college students to establish credit as well as a convenient payment instrument. However, it is important to educate yourself on credit cards and developing a credit history before you apply for your first credit card.

* This online application is subject to the terms and conditions as described in the Important Information Section of the application.
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on the cooresponding card issuer’s website.



Learn to be a wise and responsible credit card user.

  • Always remember that credit is a loan..
  • Shop around for the best deal by studying closely each card's terms and conditions.
  • Always pay your bills on time..
  • Keep careful track of your finances.
  • Try to pay your balance in full each month.
  • Limit the number of credit cards you acquire.
  • Create a budget and spend within your means.
  • Review your statements carefully.
  • Immediately inform your credit card company of an address change.
  • Keep a list of your credit card account numbers and phone numbers in a safe place
  • Review your credit reports periodically and check for inaccurate, incomplete or outdated information.

Do not overextend your credit.

Due to wide availability of credit cards on campus, many students start getting into credit card debt deeply before they get out of school. According to one survey, the average undergraduate has more than $1500 in credit card debt.

The problems occur when students are not taught to use credit wisely. It's not the credit cards, but the lack of education that gets students into trouble.


Prepaid Visa and MasterCards are also good for students.

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