How to Get a Student Credit Card (Step by Step Guide)
Having a credit card while you’re in college can be an important lifeline. 你可以 use it to cover purchases and it can also come in handy if you have an emergency and don’t have enough cash. First, you need to know how to get a student credit card, how it works, and how to qualify.
什么是学生信用卡?
Student credit cards work the same as regular credit cards. They are unsecured, which means you don’t need to provide collateral. 你可以 make purchases just as you would with a regular credit card and you receive a statement each month for the balance due.
The primary difference is that student credit cards are designed for you to use when you have a limited credit history. Depending on the credit card issuer, a student credit card may have a lower credit limit than usual.
You may qualify for a student credit card more easily than for a regular credit card, which makes it a great tool for building your credit. After using a student credit card during your college years, you may be able to qualify for a regular credit card when you graduate.
How to Qualify for a Student Credit Card
There are certain criteria that you must meet before you can get a student credit card.
年满18岁并有工作
你必须年满18岁, but that doesn’t mean you will automatically qualify if you’re old enough. You must also show that you earn an income.
是美国公民或合法居民
To qualify for a student credit card in the U.S., you must be either a citizen or a legal resident. Someone who is attending a school in the U.S. on a student visa, for example, would be a legal resident.
被学院或大学录取
GPK电子游戏 requires that you be enrolled part- or full-time as a student in a college or university to qualify. You may have to show proof of enrollment when applying, 其中可能包括学生证, 课程表, 学费收据, 或者别的什么.
如何申请学生信用卡
If you’re still wondering how to get a student credit card, the good news is that applying is simple. 你可以 在线申请, and in just a short time, you’ll be notified if you’re approved.
Before you apply, you should gather the following information to prevent delays:
- 驾照
- 社会安全号码(美国.S. 公民及永久居民)
- 雇主的信息
- 年收入
What to Do If Your Credit Card Application Is Denied
If your application for a student credit card is denied, there’s another option to consider—a 担保信用卡. The term “secured” means the card is backed with collateral, which protects the lender and makes it easier for you to qualify. Secured credit cards are ideal if you’re at the beginning of your financial journey and have limited or no credit history.
有资格申请有担保的信用卡, you will likely need to deposit funds to match your desired credit limit. For example, if you want a $1,000 credit limit, you will make a $1,000 deposit. Your card issuer will hold the deposit for as long as your account is open. You’ll get your deposit back when you close the account or graduate to an unsecured card.
What Makes the Best Student Credit Card?
Now that you know how to get a student credit card, it’s time to consider what you should look for when choosing the best card for you. No doubt, it will be gpk电子游戏官网’s Student Visa!
较低的费用
Many college students have tight budgets. The more fees you have to pay, the less money you’ll have for necessities. A student credit card shouldn’t have any unnecessary fees — like annual fees, 涉外交易费, 或结余转让费.
低利率
As a student, you may not be able to pay off your credit card balance in full each month. A student credit card should have a low annual percentage rate (APR) to keep the account balance from growing too much from the compounding of interest.
You also want to choose a card that offers a grace period where you won’t be charged interest if you pay off your purchase within 25 days.
防欺诈保护
If your credit card is ever lost or stolen, or your identity is stolen, 防欺诈保护 means you’re not responsible for any unauthorized charges on your account. In general, credit cards offer greater security than debit cards.
奖励计划
Look for a card that offers cash back on purchases. 以获得最大的利益, you can use your student credit card for all your purchases, pay your minimum required balance each month, and enjoy the perks of the rewards program.
使用学生信用卡
Each credit card holder uses their credit card in different ways. You may choose to use your student card for everyday purchases so you can earn rewards and take advantage of 防欺诈保护, 或者你可以只在紧急情况下使用它.
How you use your student credit card depends on your personal needs and preferences. Click below to find out which strategy can work best for you.