Author: larrychiang
Source: http://www.youtube.com/watch?v=5QDwSLIKVl8
Fox News Larry Chiang on college students and credit cards
What’s it like to be a Clemson Tiger?
Clemson University offers countless opportunities for students, faculty and community members to participate in decades of tradition, improve quality of life for their surrounding communities and pursue academic challenges. Ranked as the 23rd best national public university by USNews and World Report, Clemson is a vibrant student-centered community that thrives on leadership, collaboration and a winning spirit — in academics, athletics and life. To become one of the countrys top-tier research universities, Clemson University has combined the scientific and technological horsepower of a major research university with the academic and social environment of a small college. Just as founder Thomas Green Clemson intertwined his life with the states economic and educational development, this Universitys students and faculty impact lives daily with their research and service. Pleaes visit www.clemson.edu for more information.
Author: ClemsonUniversity
Source: http://www.youtube.com/watch?v=JN3V7olYWMg
Understanding Student Credit Cards
Once a young person enters college, there’s a whole range of new responsibilities
that have to be faced. One of the most important is the ability to manage, often
limited, finances. Student credit cards are specialty cards offered to initiate
young people in the use of credit.
Not too long ago, anyone, including high school students, could apply for one
of these credit cards. But thanks to federal legislation, you must be 21 years
old before you can apply without a cosigner. Students will not be allowed to
charge more than 20% of their earnings. If a student has no earnings, a cosigner
will be required. Student credit cards typically charge heftier fees and interest
rates and give smaller credit limits. Credit card companies will be required
to get a parent’s written permission before raising credit limits.
Two Types of Credit Cards
- Secured Credit Cards – The student will be spending money
that has been deposited in a bank account in advance. With this type of card
there is no risk of accumulating long-term debt or interest. Cards are also
available that allow parents to link a student’s card to
their personal account, or let them keep refilling the teen’s or student’s
accounts as they go along. It will cost an enrollment or annual fee and additional
fees, each time, money is added to the card. - Unsecured Credit Cards – This is a traditional credit
card that is an actual loan from the bank. No advance deposit of funds is
required. Interest is applied to the balance carried from month to month and
is often substantially higher than other credit cards. This
type of card is much harder to get approval than a secured credit card.
Details of the Best Offers for Students
- The lowest APR card will help when a balance must
be carried from one month to the next. An interest rate in the mid-teens is
reasonable for students. - A long grace period will allow for a longer period
of time before you have to pay interest. - Look for a ‘no annual fee’ offer.
- Employed students are more likely to be approved, as it
shows responsible behavior. - Be truthful on your application. It will increase
the probability of getting the best rates, as the company will verify all
the information on your application. - Online account access is a plus to easily keep
track of balances and payments.
Using Student Credit Cards Wisely
Begin with a budget that can be easily managed each month and stick with it.
Even though new credit card consumers are typically offered a limit of $500
to $1,000, limit yourself to what you can repay each month. Safer than cash,
use your credit card to purchase student necessities. Student credit cards that
include rewards are available through major issuers like Citibank and Chase
who has partnered with retailers like Starbucks, Amazon, and the Gap. Be careful
that the rewards don’t entice you to spend outside your budget just to earn
the reward.
Article Source: http://www.articlesbase.com/credit-articles/understanding-student-credit-cards-4112708.html
Author: Noreen Ruth
Source: http://www.articlesbase.com/credit-articles/understanding-student-credit-cards-4112708.html
What Needs To Be Considered For The Best Credit Card For Airline Miles?
Before selecting what is well the best credit card for airline miles which customers typically hear nowadays, there are several considerations that come into participate in. First, here is an overview. Credit card companies, in a wager to obtain their clients’ continued patronage, have started offering numerous advantages for continuous usage. One of the most prominent types is giving of items which, in the event the number of points reaches some value, might be exchanged pertaining to plane tickets which is often used for traveling for a certain distance (airmiles) which is subsidized by airline carriers affiliated with nokia’s.
Other concerns are: Are generally my touring needs therefore crucial in ways that rewards certainly are a relief? Will be the membership price worth the rewards accorded by traveling? When it comes to airline-sponsored credit cards, which airlines will certainly my decided on credit card organization be connected to, and can I travel upon those airways, and wherever am I going to soar with my own points? Regarding bank-sponsored credit cards, precisely what value may the flexibility regarding airline selection have for me personally? How do I get my accolades in exchange in the accumulated factors? Lastly, might I swap airline miles regarding other types of “miles”, such as carfare, cruises, resort reservations?
Students are also trying to find the best credit card for airline miles. Due to the fact students often have little credit expertise, credit cards let them have a chance to demonstrate their abilities in handling credit, thus solidifying their own credit reputation which will demonstrate valuable in upcoming business things. Credit cards also allow them to obtain books and other school items as needed, as well as keep them profitable in case of crisis situations. Examples of such credit cards with travel returns are the Citi® Dividend Platinum Select® Card for College Students, the Discover® Open Road Card for Students, and the Citi® mtvU™ Platinum Select® Visa® Card for College Students.
In the USA, one particular candidate to the best credit card for airline miles is the Citi® mtvU™ Platinum Select® Visa® Card for college students. The card, particularly tailored for college students, requires no annual payment. No cosigner is needed, therefore handing more independence as well as responsibility on the student’s shoulder blades. For the initial 7 weeks, there is 0% Annual percentage rates on buying; afterward, the annual percentage rate ranges coming from 13.99% to be able to 21.99%. Factors can be received this way: $1 put in at bookstores, record shops, video leasing stores, video houses, as well as restaurants garners 5 points; $1 spent at every other produce scholarships 1 position. Furthermore, you have rewarded Twenty-five points month to month for being opportune in spending up, and having a high Grade point average gets a person 250 for you to 2000 bonus points more (determined by GPA)! These kind of points might be exchanged for the variety of products, like. CD’s, gift charge cards, and of course, airline tickets.
Article Source: http://www.articlesbase.com/credit-articles/what-needs-to-be-considered-for-the-best-credit-card-for-airline-miles-4894986.html
Author: Jackerson
Source: http://www.articlesbase.com/credit-articles/what-needs-to-be-considered-for-the-best-credit-card-for-airline-miles-4894986.html
Which Type of Credit Card is For You?
Credit cards are a convenient way to replace cash. In a single card, you can pay all of your bills with one swipe. This is why more and more people are opting for credit cards instead of carrying around real cash. However, what most don’t realize is that there are many types of credit cards to choose from. Each card has its own purpose, depending on what you can afford. Choosing the wrong type of card could prove to be disastrous for your finances, damaging your credit score and getting you into debt. This is why it’s very important to do research and know your options before committing to a card. In this article, we’ll be discussing a few of the most basic types of credit cards and their specific uses.
1. Regular/Standard Credit Card. This type of credit card is very common. Almost everybody has one of these. It has a revolving balance, which you can use to make your purchases. After a specific amount of time, usually at the end of the month, you’ll have to give back at least the minimum payment. A credit limit is set to reduce the risk of overspending. The user shoulders the finance charge, which is added to the remaining balance at the end of every month. Failure to make the minimum payment will mean penalties and fines.
2. Premium Card. Premium credit cards are just like the standard credit card, but with a few benefits. Users of premium cards will get reward points, travel points, rewards, and even cash back promos. This doesn’t mean, though, that you’ll get profit from your purchases. Platinum and Gold credit cards usually have very high fees, and may sometimes have hidden charges.
3. Prepaid Credit Card. If you want to have the convenience of a credit card, but are afraid to overspend, this is the card for you. The credit limit is set when you deposit money into the account. The money is then consumable. You don’t have to pay every month, because you don’t owe the bank anything.
4. Limited Purpose Credit Card. These cards are much like your standard card, but you’ll only be able to use it in specific stores. Gas credit cards and credit cards for specific department stores are examples of limited purpose credit cards.
5. Specific Credit Cards. There are other types of standard and premium credit cards for you to choose from. For example, student credit cards are used by college students because the program is patented to fit their needs. Travel cards are also available, which will come in handy for those who travel around a lot for work.
Because there are so many different types of credit cards, it would be best to do a lot of reading. Don’t hesitate to take your time when you’re looking for the right card, because that could mean the difference between a good credit score and complete bankruptcy. With this basic knowledge in mind, you’ll be able to learn more about the credit card your company is offering you
Article Source: http://www.articlesbase.com/credit-articles/which-type-of-credit-card-is-for-you-4360597.html
Author: Aperillo
Source: http://www.articlesbase.com/credit-articles/which-type-of-credit-card-is-for-you-4360597.html
5 Key Choices to Make When you Apply for a Credit Card Online
With over 35 credit card issuers in Australia it is no surprise that there are many choices to make when you are looking to apply for a credit card these days.
Of course, with personal finance sites aggregating the best deals for you, it’s made it easier for you to compare and choose credit cards and then apply online, but you still have to make a number of key choices. Here are 5 of the most important:
1. Transfer a Balance or Not?
If you have existing debt(s) on other credit cards at high interest rates, it can be highly beneficial to consolidate those debts onto a single card at a lower rate of interest. If you are looking to apply for a credit card online that is offering this feature you may find a low or even 0% balance transfer available for between 6 months and 15 months, after which time the interest rate may be charged at the cash advance rate. With these cards it’s very important to pay back the full balance within the introductory period.
2. Frequent Use Card or Occasional Use?
How often you intend to use your new card will help determine if you apply for a credit card with rewards, a low annual fee and other features. For example, if you only intend to use your card infrequently for online purchases then a great rewards scheme for shopping at major high street stores doesn’t help you much. Also if you are only using the card a few times per year you will probably want to avoid paying a high annual fee, whereas if you are using it daily the annual fee won’t be so much of an issue.
3. Overseas Use or Not?
If you intend to use your card overseas frequently you will want to apply for a credit card that is light on charges for using overseas ATMs and for paying for goods and services overseas. There should be a full list of fees available on the card issuer’s web site.
4. Are You Approve-able?
When you apply for credit card online you want to make sure that you are approve-able first! That relates to your credit history and possibly your income and age. There are stipulations that a credit card make as guidelines for approval. Once you have read these then choose a card that you are likely to be approved for as denied applications will show up on your credit report and are not helpful for your credit status.
5. Can You Pay the Debt on Time?
If you are confident you can clear the debt each month in full, by a given date, then choose a card with a good interest-free period that allows you to pay no interest for, say, 44 or 55 days. This way the APR doesn’t even matter as you will never pay any interest.
Article Source: http://john2.articlesbase.com/credit-articles/5-key-choices-to-make-when-you-apply-for-a-credit-card-online-5048740.html
Author: John
Source: http://john2.articlesbase.com/credit-articles/5-key-choices-to-make-when-you-apply-for-a-credit-card-online-5048740.html
Citibank Student Cards – An honest review of this card offer
www.InstantApprovalCreditCard.Info Learn about the Citibank Student Cards, the APR and fees. The Citi Student Card is an excellent offer.
Author: InstantApprovalCredi
Source: http://www.youtube.com/watch?v=y9qFUGePXg0
The Only Majors to go to College for
The truth about college. There are only a handful of college degrees that are worth going. Most other degrees are completely useless. Please watch these other links if you would like to learn more. This artical has some more referenced facts. www.businessinsider.com Student Loan debt exceeds credit card debt www.youtube.com
Author: EngineeredTruth
Source: http://www.youtube.com/watch?v=P5ooazR3_Qo
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Ecreditcardworld.info Offers Great Online Credit
Ecreditcardworld.info Offers Great Online Credit Card Choices
Author: altayr111
Source: http://www.youtube.com/watch?v=oqkBVhNfZTw
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