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What_Credit_Card_Offers_Are_Best_For_A_College_Student_

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					What Credit Card Offers Are Best For A College Student?

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588

Summary:
Credit cards are no longer new. Almost every bank offers credit cards
with different rates, terms and conditions. Credit cards do not just help
those professionals who are already earning a living but as well as those
who are just beginning or preparing to become a professional - the
college students.

In the internet, there are so many articles, advertisements and websites
that offer credit cards. These media even do flowery promises and
alluring words just to get the atte...


Keywords:
credit card offers,college student credit card offers,business credit
card offers


Article Body:
Credit cards are no longer new. Almost every bank offers credit cards
with different rates, terms and conditions. Credit cards do not just help
those professionals who are already earning a living but as well as those
who are just beginning or preparing to become a professional - the
college students.

In the internet, there are so many articles, advertisements and websites
that offer credit cards. These media even do flowery promises and
alluring words just to get the attention of the student and would later
apply. They have their own notion as to why they do such things.
Primarily, their reason would be necessity.

As a college student, owning a credit card will not just be a luxury but
more so a necessity. There are so many things that a college student
needs to buy. Books and other school materials are one of the things a
college must spend money into. With very limited cash, a college student
may not be able to actually buy everything that he or she needs. There
are also payments that he/she must look into like the apartment or the
dormitory where he or she is staying in, the school fees, foods, etc.
Credit card may not actually be the sole answer for financial assistance
to a student but it can help him meet both ends.

When speaking of credit cards, two words that must come into the parents
mind are responsibility and discipline. Parents have a very crucial role
to do in guiding and guarding their children, though already in college,
in spending their money. There are plenty of college students that
graduated in deep debt caused by irresponsible use of credit cards.

There are so many credit card offers that a college student may choose
from. However, before that, he must put in mind that most of the student
credit cards offered offers high APR as compared to regular credit cards.
What are the best offers that a college student must think about or must
choose that will surely be a help to his studies? Check out the
following.

-Reasonable APR - In general, student credit card APR are quite higher
than the regular credit cards This is a way for the companies of securing
their funds since they cater to people with limited resources to pay
them. However, there are lending companies and banks that offer
reasonable APRs Reasonable in the sense that it is not so much higher as
compared to unsecured credit cards but not low enough like a secured
credit card.

-Cash Advance - having a card that can withdraw an amount from an ATM is
a great help for college students. Not all of the needs of the student
that can be purchased can be charged in the credit card. There are
college student credit cards that offer such.

-Balance transfer - this is very helpful for students who have multiple
accounts or has extended accounts from parents. This will help them keep
track with their money and responsibly spend it.

-Freebies - most often, banks and other companies gives rewards and
rebates in every transaction or to every purchase charged in your credit
card. Such offer is also not just for fun but also a help.

Try to search for a credit card online. There are so many offers that
credit card companies offer to college students. Since every college
student have different needs and taste, banks and lending companies try
to introduce a variety of student credit cards that will fit every need
of a college student.

				
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posted:3/2/2010
language:English
pages:2