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Student credit cards
Student Credit Cards:
What to look for

You don't have to look too far to find plenty of credit card offers for students nowadays.  Providers know that students who are at college or university often have to juggle their finances around to make ends meet every month, and so they provide a ripe audience to tailor student credit cards towards. 

That's why it can be tricky trying to choose from all the credit cards for students that are around.  If you are looking at various deals and wondering which one to opt for, bear the following points in mind while you search for the best student credit cards:

  • Look for a consistently low interest rate.  This is important if you don't think you will be paying off the balance on your student credit cards every month.  Some student credit cards offer pretty good rates so it's worth shopping around to see which card will be the best one to go for in the long term.
  • What kind of incentives are going to be the most use to you?  One thing that virtually all credit cards for students have is a wide range of one off or recurring incentives and offers to tempt new users.  The important thing here is to look at what's on offer with a clear head.  Don't pick the card which offers the most if what you really need is a low interest rate.
  • Look for regular discounts at places you frequent.  Student credit cards which are specifically aimed at students often give you discounts at places which tend to be popular with your age group.  Clothing outlets and restaurants are often tied into these deals, so compare credit card offers for students from several providers to see how you would benefit in each situation.
  • Look for interest free deals on purchases to help you manage your money.  A lot of students have part time jobs to help them pay their way through college or university, but even with a small income coming in it can be useful to know that you can pay for larger purchases and pay them off over several months without being charged any interest.  Lots of student credit cards offer their cardholders interest free purchases for up to a year, helping you organise and stay in control of your finances over a longer period of time.
  • Do you need to transfer a balanceIf you do, make sure you start looking at credit cards for students which offer a higher potential credit limit, and also a low balance transfer fee.  You can save some money here just by choosing the right card – and you should always rank managing your current debt as being more important than taking advantage of any other credit card offers for students which may be advertised.

When it comes to credit card offers for students, student credit card providers are always highly competitive.  They know that there is a real potential to be able to hang onto these new customers for a long time to come, so it is in their best interests to provide a good service.  Don't forget that you need to choose the right student credit card for you, however, so don't be swayed by one great discount if another student credit card has a better set of benefits all round.

Check out student credit cards

 
 
 
 
 
 
 
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