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
* 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
Learn to be a wise and responsible credit card
- 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check for inaccurate, incomplete or outdated
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
and MasterCards are also good for