Students,

Getting a student credit card can allow you to build a good credit history and give you experience in budgeting your daily life. Here are a few tips to help you get a student credit card:

1) Start by researching what kind of companies offer student credit cards. You can use our search engine to do so. Look for sites that offer comparison of different types of student credit cards.

2) Always apply online. Most lenders offer instant approval and it will allow you to get your student credit card faster.

3) Never answer any student credit card offer you get in the mail no matter how good they look. If you do, you will start receiving even more junk mail in your mailbox.

4) A good rule of thumb when deciding which student credit card to choose is to answer YES at all of these following questions:
- Does this student credit card offer no annual fees?
- Does this student credit card offer a low interest rate?
- Does this student credit card offer online payments?
If the answer to all of these questions is yes, then it’s an acceptable offer for a student credit card..

5) Only apply to one student credit card at a time. If you apply to multiple lenders, this will negatively affect your credit history.

6) If you get declined, as a last resort you can request a secure credit card from your bank. This will require you to open and maintain a savings account as security for your line of credit. Your credit line will be a percentage of that deposit. It’s not as great but it will still help you achieve the same goals.

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