Military Significant Others and Spouse Support - MilitarySOS.com
Results 1 to 9 of 9

Thread: Student Credit Card?

  1. Banned
    Chardale's Avatar
    Chardale is offline
    Banned
    Join Date
    Jun 2008
    Posts
    424
    #1

    Help Student Credit Card?

    Advertisements
    So, I'm looking for a credit card to build my credit. I don't have any credit and I am a student, so I figured a student card would be best, right?
    Does anyone have one? Do you like yours? What kind is it?
  2. Account Closed
    Heather2406's Avatar
    Heather2406 is offline
    Account Closed
    Join Date
    Feb 2009
    Location
    Me: South Jersey Him: Home :)
    Posts
    671
    #2
    I have a student credit card through CapitalOne.
    The apr is only 2.9%.

    I also have another student credit card through Discover, not sure what the apr is on this one, but it's low like CapitalOne.

    I got them to also build my credit, even though I'd love to go on a shopping spree with them....but mom wouldn't love it as much as i did....
  3. MilitarySOS Jewel
    settles's Avatar
    settles is offline
    MilitarySOS Jewel
    Join Date
    Dec 2007
    Location
    Fort Campbell
    Posts
    14,216
    #3
    here is one that helps you build or rebuild your credit https://www.bankofamerica.com/credit...tegory_id=2029
  4. Banned
    Avonlea.'s Avatar
    Avonlea. is offline
    Banned
    Join Date
    May 2009
    Posts
    2,733
    #4
    I have a similar question. I TRIED to get a student credit card with both CapitalOne and Discover. They were both intended for students with no credit.
    I freaking got denied. WTF... I have like over 3K in my savings.

    So I was don't know how to build credit if they don't give me something to start with.

    What I was thinking about doing was taking out a loan with my bank. Opening up a savings account. Putting my loan money in the savings account and then pay the loan back (with the same loan money).

    Good plan? Stupid plan? Anyone got a better plan?
  5. Miss Puerto Rico
    Shaky's Avatar
    Shaky is offline
    Miss Puerto Rico
    Join Date
    Mar 2004
    Location
    FL
    Posts
    28,310
    #5
    That's how I started my credit. I went through my bank. That was many years ago though.
    Then once I had that one I opened a Sears CC and would pay it off every month. It worked.
  6. Account Closed
    J.Ski's Avatar
    J.Ski is offline
    Account Closed
    Join Date
    Mar 2008
    Posts
    8,962
    #6
    My first card was the Citi mtvU card. The APR is sucky but the reward points are awesome You get 5x points at bookstores, restaurants and stuff plus points for paying on time and your GPA. My limit was $800 in 2005 and it's now $10,500 so it grows with you.
  7. Banned
    Chardale's Avatar
    Chardale is offline
    Banned
    Join Date
    Jun 2008
    Posts
    424
    #7
    Thanks, all! I didn't even think about capital one, heather. I'll take a look at that next.
  8. NDNatlGuardGF
    NDNatlGuardGF's Avatar
    NDNatlGuardGF is offline
    NDNatlGuardGF
    Join Date
    Jan 2009
    Location
    North Dakota
    Posts
    1,830

    #8
    One thing to make sure of, is to obviously try to get the lowest APR % possible, but if you really want to build your credit, don't charge more than you can afford to pay off completely when you get your next bill. When I first got mine, all I put on it each month was gas and then paid it off. Eventually, I used it more and more, but I still pay it off each month.
  9. Account Closed
    Charity's Avatar
    Charity is offline
    Account Closed
    Join Date
    Nov 2008
    Location
    Me: St. Louis/Him: Afghanistan
    Posts
    6,419
    Blog Entries
    3
    #9
    I have a citicards Drivers Edge card. The rewards are awesome (money towards a new car if you want!) and the APR is low as long as you pay on time. I've had it since 2003 - my limit has gone from 2,000 to 10,000.

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •