Should I apply for a student credit card?
Guest: Tha0Sand6Man
Post subject: Should I apply for a student credit card?
Posted: Tue Mar 28, 2006 4:54 pm
I am currently a high school student and I will be attending a 4 year college next year. To build my credit, I have chosen to get a credit card and to use it for emergencies. As far as past credit, I have had government loans for farm and livestock projects as well as held several bank accounts and worked for the same company for 2 years. I was wondering if signing up for a free credit report is a good idea, or if I should take a chance and apply for a card that requires good credit and take a chance of being denied, or just go for one of the student credit cards? Thanks for anyone willing to help.
K
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Guest: rapjunkie
Posted: Tue Mar 28, 2006 8:12 pm
You don't need to sign up for one of those scam services that gives you your credit report along with a subscription to something you don't need... you can get your report for free once a year from each of the three credit bureaus... just go to http://www.annualcreditreport.com and follow the instructions.
If your prior loans are on your report, you should be able to get a card, and you probably want to start with a student card. However, trying for a regular card won't hurt much either way because it'll just be one inquiry.
Good luck, and way to go as far as establishing your credit early... just be sure to manage it responsibly and it'll pay off big in the long run.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Should I apply for a student credit card?
Posted: Tue Mar 28, 2006 4:54 pm
I am currently a high school student and I will be attending a 4 year college next year. To build my credit, I have chosen to get a credit card and to use it for emergencies. As far as past credit, I have had government loans for farm and livestock projects as well as held several bank accounts and worked for the same company for 2 years. I was wondering if signing up for a free credit report is a good idea, or if I should take a chance and apply for a card that requires good credit and take a chance of being denied, or just go for one of the student credit cards? Thanks for anyone willing to help.
K
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: rapjunkie
Posted: Tue Mar 28, 2006 8:12 pm
You don't need to sign up for one of those scam services that gives you your credit report along with a subscription to something you don't need... you can get your report for free once a year from each of the three credit bureaus... just go to http://www.annualcreditreport.com and follow the instructions.
If your prior loans are on your report, you should be able to get a card, and you probably want to start with a student card. However, trying for a regular card won't hurt much either way because it'll just be one inquiry.
Good luck, and way to go as far as establishing your credit early... just be sure to manage it responsibly and it'll pay off big in the long run.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 11:14 AM
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