Student Credit Cards

Student credit cards are very useful among students most especially for college students and high school. Thus, credit cards for students are becoming a hot trend. Both high school and college students can build up their own credit line provided they know their responsibility in paying bills and not overextending their limits. Basically, it offers three types: bank cards like Citi bank student credit card issued by banks, travel and entertainment (T& E) cards and lastly the house cards for one chain of stores.

When credit cards first appeared, only adults could apply. However, considering the spending powers of students, it is logical that a credit card for college student is the next step. Normally, the parents stand as guarantors so the banks reduce the risk of defaults. Now, most students have their own student credit cards. What kind of credit card is it? These student credit cards are handy picked cards intended for high school and college students that function as financial assistance. There is also a college credit care for "no credit" student.

The student credit card companies make use of direct marketing or through a marketing partner to provide student cards for students. College gives lot of opportunities like living independently. Usually, parents open an account for their child to provide all the necessary needs. Credit cards for college students are made provided for this purpose. College student credit cards are about the same with high school student credit cards. This can be very accessible and helpful especially for those high school graduates who will start on their own.

The Pentagon Federal Credit Union is one of them that offers student credit card, which they called Pentagon Federal Credit Union Student Visa credit card. This Visa Student credit card is commodious because students will have peace on mind that all their needs will be met. Due to great quality service, reliable and secure for Pentagon Federal, these are the best student credit cards to own.

Talking of another credit card, Citi also offers a credit card for students and they call it Citi student credit card. However, this gives higher APR compare to those for adults. Yet, most students use this because they are struggling for money and need credit for their needs. Consequently, the college student credit card debt is in jeopardy in the hands of students who are delinquent in paying bills. And eventually using student credit cards sensibly and wisely could help build strong credit history that the card holders will benefit from in the future.