<p>I will be attending college as a freshman this fall. Before I go, I want to have a credit card. I was wondering what cards do you guys recommend for a student. I am very responsible with my credit card, and plan to pay everything in full that I will purchase for that month. Thanks</p>
<p>I have a Visa Platinum from Capital One.</p>
<p>It really doesn't matter what "type" of card you have (e.g. Visa? Mastercard?)</p>
<p>Just make sure that your card has no annual fee and $0 fraud liability. My card has both, and I started out with no credit history.</p>
<p>I have a student card from Bank of America. As long as it's Visa or Mastercard it'll get accepted just about anywhere. I have an AmEx which is good also but I've been to a few places that don't take it, so if you're just getting one go with a Visa or Mastercard. Look for no annual fee student cards; they usually have a low limit but you'll almost surely get approved and you shouldn't be spending way too much on it anyway. BoA has online bill pay so I don't have to worry about getting a paper bill and sending in checks, but I'm sure most places do that by now.</p>
<p>I forgot to mention. Try to wait for a preapproved credit card offer to arrive in the mail. Applying for these cards does not hurt your credit rating as you've already been approved. Your credit rating is hurt when you apply for cards that you haven't been preapproved for.</p>
<p>To be honest I wouldn't allow the lack of a preapproved credit card to keep me from getting a card that was actually better than what you're getting in the mail. Yes, there may be some drop in your credit rating but if you're just applying for one card it's not going to hurt you. So shop around and if the best offer you've seen comes pre-approved go with that, but don't be afraid to apply for a card that is actually better if you have to.</p>
<p>I have the platinum credit card with Chevy Chase. For a college student, my interest is relatively "low": about 12.65%. I've heard of other students who had 30% interest, which blew my mind. </p>
<p>I suppose as long as you pay it in full, interest won't matter.
Just make sure to check that there aren't any ridiculous fees. My credit card doesn't have any fees - only for cash advances, which should only be used in an emergency, anyway.</p>
<p>I can tell that all those who posted above me were just looking for good deals on credit cards, as opposed to GREAT deals! :)</p>
<p>I would recommend you to look at the following page.
<a href="https://www.citicards.com/cards/wv/showSearchResults.do?constituent=COLLEGE%5B/url%5D">https://www.citicards.com/cards/wv/showSearchResults.do?constituent=COLLEGE</a></p>
<p>Not only do you get the benefits of no annual fee, low APR and limited liability, you can choose what types of rewards you want. </p>
<p>The card I got was Citi® Dividend Platinum Select® Visa® Card for College Students. They gave me $800 Credit limit when I got approved and so was my sister. So if you get approved, I think that's the amount you will get. It is better than the Chase card my sister got that only gave her $300 Credit limit. Also for the first six months, you don't need to pay finance fees. That means you only need to pay the minimum, which is like 20 dollars, and carry the rest over to the next month. You can do that for six months, and then normal finance fees will kick in. On top of that, you get cashbacks for the normal purchases (purchases made over the internet don't count) you make. This is a great deal for college students with no or limited credit history. </p>
<p>One more thing I would like to comment. Sometimes, you might get behind on paying your credit card bills on time. If it is your first or second offense, you can call customer services and have them give you the refund. You might need to give a decent excuse for not paying on time, such as I didn't receive the bill, or I didn't know there's a two days delay in when I pay the bill online and the company receiving the money. And being nice always help. :)</p>
<p>I also have a Visa Platinum from Capital One, and it has definitely saved me in some tight spots. I have a $750 credit limit, and low APR/no annual fee. The only thing is that my late fees are a little high ($29-39), but that just keeps me from not paying late very often, lol.</p>
<p>I have a Citi Visa mtv U credit card. It has a $2,500 credit limit... I can't even remember the interest rate because I plan on paying everything right away anyway. This card is cool because you can get reward points for getting a good GPA</p>
<p>Also, for those saying to wait for preapprove credit cards, I strong suggest opting out of those offers. You can do so here: <a href="https://www.optoutprescreen.com/%5B/url%5D">https://www.optoutprescreen.com/</a></p>
<p>I just found out (literally about five minutes ago) that when a credit card company pulls your info to prescreen/preapprove you for a credit card, you credit score goes down.</p>
<p>In my case, Capital One pulled my information 54 times over two years when I looked at credit report (also five minutes ago). I found out that Capital One is notorious for doing that with many people's accounts and I see no reason for my credit to suffer when I hadn't done anything wrong. So I've opted out.</p>
<p>^^ thanks for letting us know</p>
<p>op: you can also google 'student credit cards' and find more info on the web. there are plenty of sites that let you compare rates/awards/etc. with different credit cards.</p>
<p>I got a American Express Blue card when I went away for college, and been using it for the past few years for nearly all of my purchases. AMEX has buyer's protection, where they'll double any warranty up to a year, have limited liability on theft (I think it's $20-$50 or something small), and have fantastic customer service. After just a years of having the card, my limit was increased to $2000, and after another year or two my maximum went up to $8000. The trick is to only buy what you know you can afford, and pay your full balance as soon as you get your bill. I know my billing period ends on the 5th of the month, so I'll usually pay it off before the 10th, even though it's not actually due until the 23rd.</p>
<p>I also have a WaMu Mastercard which is linked to my debit account, for the handful of places that still don't accept American Express.</p>
<p>
[quote]
I just found out (literally about five minutes ago) that when a credit card company pulls your info to prescreen/preapprove you for a credit card, you credit score goes down.
[/quote]
</p>
<p>“A soft inquiry, or soft pull, is a term used to refer to an inquiry into your credit history that does not adversely affect the credit score. Often, you are not even aware that there has been a soft inquiry on your credit report. For example, if you receive a solicitation in the mail offering you a credit card, the credit card company has most likely conducted a soft pull to see if you qualify.”</p>
<p>I have a Discover. Everyone doesn't accept it, but a majority of places do take it. The cash rewards are pretty cool.</p>
<p>I was thinking about switching to Discover, what rates/fees did they give you?</p>
<p>^ I think that depends on your credit score a little bit. [url=<a href="http://www.discovercard.com/more/index.html%5DThis%5B/url">http://www.discovercard.com/more/index.html]This[/url</a>] is the type I have. If you check out their [url=<a href="http://www.discovercard.com/credit-cards/choose-cards.html%5Dwebsite%5B/url">http://www.discovercard.com/credit-cards/choose-cards.html]website[/url</a>] and it can help you pick the right card for you and all that stuff. They also have some pretty card designs ;)</p>
<p>Everywhere it says "5% cash back all year." Do you know if it's just a temporary inflated interest rate for the first year, and then it drops to 1%(the other rate that's given in their conditions page)?</p>
<p>i have a Amazon Visa card ( Amazon</a> VISA® Card ). I was happy to hear earlier this year that they had a student card finally. It's great for me because I shop at Amazon a lot. So for every $1 spent at Amazon you get 3 pts, and for every $1 spent elsewhere you get 1 pt. Once you accumulate 2500 pts you get a $25 gift certificate. They've worked great for me. I believe I had like $1000 credit limit initially but they automatically increased it to $1300 that same week. I can pay thru Chase which makes it even easier. I tried getting a Buy.com card as well which was pretty similar, but they declined me. Oh well can't have it all.</p>
<p>go to your bank and get a student card</p>