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College Degrees
By Charles Fuchs
College degrees may allow you to earn more money upon graduation, but for some potential students the high cost of paying for college keeps them out of the classroom. Many students are unaware of Read more...
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RESOURCES
How To Find The Best College Credit Cards
By Morgan Hamilton
College freshmen are bombarded with offers for college credit cards. They get all sorts of junk mail and e-mails saying enticing things like, "pre-approved for college credit cards." Few students can Read more...
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RESOURCES
College Degrees
By Charles Fuchs
College degrees may allow you to earn more money upon graduation, but for some potential students the high cost of paying for college keeps them out of the classroom. Many students are unaware of Read more...
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How To Find The Best College Credit Cards
By Morgan Hamilton
College freshmen are bombarded with offers for credit cards. They get all sorts of junk mail and e-mails saying enticing things like, "pre-approved for credit cards." Few students can resist these credit cards marketing gimmicks.
Not that it's bad for students to have and use credit cards. Parents just have to be aware that this credit cards craze will happen at the start of each year. Rather than fighting a battle they really can't win, mom and dad should be sitting down with their freshman son or daughter and explaining the ins and outs of credit cards - the jargon, the responsibilities, the ramifications to their credit if they go overboard on credit cards purchases they fail to pay on time.
The best student choices in credit cards are those that start the freshman out with a modest spending limit. Parents are probably going to be the ones paying the balance, anyway, for freshmen at least, who don't typically have jobs while they're in their first year.
While it's almost a given that you would want to choose a credit card with a low APR (annual percentage rate) this isn't necessarily a bargain, as opposed to those whose APR is a little higher. There are other factors. If, for example, the introductory offer is the low APR and it only lasts for six months or one year, just what is the APR after that? Much higher? If that's the case, you
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might be better off looking at credit cards whose APR is a little higher the first year but at least consistent.
Just about all credit cards are going to entice the student with gimmicks such as cash back or points towards rewards. What this is all about is keeping the student using the credit card for more and more purchases. College credit cards can be managed online, and, of course, you're not going to find many students who don't have consistent and almost continual Internet access. The days of a student, or other cardholder, not knowing that their account is in trouble (their balance too high) until the monthly statement arrives in the mail is a thing of the past.
The other great advantage of this, too, is that parents can sit at home, across the street or across the country, and get online to see just what their student child is doing with her or his credit cards. This keeps the student out of trouble and the parent out of debt - well, it helps anyway.
College credit cards almost always have a fraud and theft prevention feature, which is terrific. Dorms, unfortunately, are often too close and accessible for comfort when it comes to protecting student valuables. Seldom is there anything a whole lot more valuable to the student - and the parent - than the child's credit cards. This preventative feature is imperative. Don't even
consider credit cards that don't offer it!
Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards.
Get the information you are seeking now by visiting
College Credit Cards
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