"Love is the child of illusion and the parent of disillusion."Miguel de Unamuno
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College Student Credit Cards - How to Choose the Best One
There are so many credit cards being offered to college students these days that it may be difficult to choose the right college student credit card. It is important to choose carefully to make sure that you have the best deal and rates available. The ...
How To Find The Best College Credit Cards
College freshmen are bombarded with offers for college credit cards. They get all sorts of junk mail and e-mails saying enticing things like, "pre-approved for college credit cards." Few students can resist these college credit cards marketing gimmicks. ...
Student Credit Cards 101
If you're a college student, you probably already have a credit card. If not, you may have plans to get one or more soon. So why should you read on? Because financial debt is one of the main reasons that many students end up dropping out of college. ...
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Many credit cards online today offer a variety of benefits, low rates and so forth. REDSTONE is one of the many Credit Unions that offer credit cards. The credit cards offered are Visa Platinum, Visa Gold, Visa Classic, Standard MasterCard, and Gold MasterCard. Each card provides incomparable compensation including, low APR, credit lines extending to $30,000, NO Annual fees, PIN numbers to prevent Identity theft, including protection on ATM, reports for lost or stolen cards, and 100% Protection against fraud, including NO liability charges.
The cards also include $50,000 accidental and travel coverage worldwide, secure activation and card receipts, cash advances, Internet fraud protection, and the cards are accepted worldwide.
The VISA GOLD and GOLD MASTERCARD offers Cash Back benefits up to 1% on spending equally $5000 and 2% annual purchases of $5000 or more. The card provides "$250,000 travel or accidental coverage nation wide. The Visa and Master are registered cards, and provides cash advances and coverage for cards, including replacement. Visa and Master Offer's automobile rental discount, 24-hour discounts on hotel stay, tours, and cruise. Included in the package is road assistance and service. Other benefits include one-year 'extended warranty" on purchases and "90-day purchase assurance against damage or theft."
The Visa Platinum offers yearly statements for the purpose of taxes and budget. Other offers include credit lines up to $30,000, "warranty manager service - warranty registration and extended warranty protection," and coverage for travel, emergencies, 'pre-trip assistance," and 'lost luggage locator." Car rental coverage is also included in the package, as well as services for translation, and transportation.
As you can see that the cards have many rewards, however the cards demand that the applicant is a member of the RFCU. The fine prints state that the APR rates vary, and that the cash back rewards have stipulations. The cash back rewards are not 'applied as a credit" and will not count as a 'payment." If the cardholder closes his account, or else fails to make payments then the rewards are retracted. To receive the bonuses in the plans the cardholder must hold the card for the length of the contact, and will start receiving cash back benefits after the period has expired.
As you can see, it pays to shop around to look for the best deals before applying for a major credit card. One advantage of credit cards that offer cash advances is that the cards come in handy when you are in trouble and need cash fast. Most cards will charge fees for cash advances, therefore, make sure you read the Terms & Conditions thoroughly, including any fine prints to avoid overpaying for credit cards.
If you are already in debt, it makes sense to avoid card lenders that are out to hurt you instead of helping you.
Many Credit Unions have credit card offers that work for people with good credit, rather than those with bad credit. Therefore, if you have bad credit you may want to find another source to apply for a credit card, since many Credit Unions will often reject individuals or families with bad credit.
High-Risk Credit Cards High-Risk Credit Cards are for people that have severed credit. The Orchard Bank MasterCard may be a good choice, since few companies provide reporting each month to the credit bureaus. This means that you will build your credit if you do not miss payments. The credit line starts at $300 to $1500." The card providers offer free account access online, including free bill pay, and the cards are active all over the world. The bad deal is that the credit card providers may charge annual fees and high interest rates.
Another type of card offered is the First Premier Bank Credit Cards. This is a card you may want to reconsider since the Terms & Conditions state: The bank offers a credit line starting at $250 with pending fees on the initial statement. FEES: Annual fees are $48, Setup Account FEES $29, "Program Fee" $95, Participation charge $6, card fee $20. As you can see, the initial fees can set you back, especially if you have bad credit.
About the author:
Tony Robinson is a careful and experienced credit card user, He is also a Webmaster and International Author. Check out his credit card tips at http://www.ezy-credit-card.com/
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