I am a college student looking into purchasing a credit card. I do have college loans but I do not have to pay them until 6 months after graduation. How will these loans affect my chances of getting a credit card? I need a limit of about $1000-$2000. Is this kind of limit possible for a college student with a part time job? Also, will I need a cosigner of any kind?
Answered on Monday, July 21st, 2014 by James Williams
Updated: July 21st, 2014
James Williams
The content is accurate at the time of publication and is subject to change.

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 a cosigner if they find you not creditworthy enough. Your creditworthiness will also have an impact to the credit limit. The credit card issuer will determine your credit line based on your credit score and the information you provide in your application. However, if you manage your card responsibly (make all the due payments on time), the issuer may increase your credit limit upon your request.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

Other Popular Student Credit Card FAQs

If you have a stable income that exceeds your expenses and have a valid social security number, you can qualify for a student credit card. Student cards are created to help students start building their credit history.

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To get a credit card young people under 21 have to show proof of their sufficient income or have a co-signer (say, one of the parents). As for the credit cards you may be eligible for, consider student credit cards targeting high school and college students. For example, you can apply for the Discover it® Student Cash Back card. […]

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