How can I build credit with my student credit card and why is it so important?
Answered on Wednesday, August 4th, 2010 by
Amy Miller

To build credit history with your student credit card you need to handle your credit responsibly. You should make payments on time to all your creditors and keep your balances below your credit limits. You should try to pay in full each month, make sure you know terms and conditions of your cardholder agreement. Keep track of all your expenses, what you spend money on, and make sure your spending doesn’t exceed your monthly income, on the contrary set up a savings account. Develop these useful financial skills and establish your credit history. When you apply for credit, rent, insurance or employment your creditworthiness, approval and terms of agreement are determined based on several factors, your credit history being one of the most important.

Other Popular Student Credit Card FAQs

You should be at least 18 years old, have Social Security number, be a U.S. resident, and have a source of income to qualify for a credit card. Also, you may need a bank account to apply for a loan or for a credit card. If you qualify based on the above, you can apply […]

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Check your credit history before you apply for a credit card. Make sure everything is correct in your reports. If not, try to dispute any inaccuracy with credit bureaus. Then you can apply for a student credit card. You won’t usually need a cosigner to apply, but some issuers may ask you to apply with […]

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