As a student, having little or no credit history is common, but this doesn't have to be a barrier when accessing a credit card.
They have low credit limits and incentives for responsible use, making them ideal for learning good spending habits and building a healthy credit score.
Although there are federal restrictions on issuing cards to those under 21 years of age, one can access through proof of income and a co-signer.
Benefits of credit cards for students
· Easy approval
· Competitive rewards plans
· Student-focused benefits
How to choose a credit card for students?
If you spend simply on books, food, or clothes for school, a student card can offer you good rewards when you spend it on campus, showing that your spending is prudent and specific to your educational stage.
What credit score do I need to apply for?
The recommended credit score ranges to apply to this category are 300-670, As well as people who still need to get a score.
As an international student, can I access a card?
Your options may be more limited, but an international student can access a credit card.
How old do I have to be to access a card?
To get a student credit card on your own, you must be at least 18 years old. For this, and under the Credit Card Act of 2009, anyone under the age of 21 must be able to provide proof of independent income to be approved for a card.
What happens if they deny my application?
If your application is unsuccessful, wait to apply for another one. When a request is denied, the provider must notify you to explain why. If the notice does not clearly state this, you should review your credit report for errors; previous lousy credit may need to be improved.
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