any credit. So the pre-approval process simply involves confirming that you are a student. This should make you suspicious. What it means is that the company is willing to gamble that you wonÆt pay back the debt, providing them with added interest that could be in the hundreds or thousands of dollars. Interest Rate This leads us to the issue of an interest rate. For most student credit cards, the interest rate is enormously high. This is due to the fact that they are taking a gamble on whether or not you can pay them back. However, in order to lure you into signing up, they may offer an interest free period. This interest free period also comes with some traps. If you miss a payment or are late once or twice with your minimum payment, you could be subject to the delinquency rate, which is as high as thirty percent in some cases. Minimum Payment Most people will look at a student credit card and think it will be easy to handle because of the low minimum payment due each month. But if you only pay this minimum payment each time, you will end up with an enormous amount of interest due. Think about it this way: If you owe one hundred dollars and the minimum payment due is fifteen dollars, you will rack up interest in the remaining eighty-five dollars. If your interest is twenty percent, thatÆs seventeen dollars added to your next bill. The interest you accumulate is more than you are paying. So your bill will actually get higher the longer you pay rather than lower. Always pay more than the minimum payment. Good Credit The benefit to college student credit cards is that you can build up some good credit history with a good payment record over time. So always pay your bill on time and in full if possible. If you canÆt pay your student credit card off in full each month, try to at least double the minimum payment. Student credit cards can be your learning tool for a future of responsible financial management. Title: Student Credit Cards: What You Should Know Word Count: 554 Summary: Although credit card issuers view student credit cards amongst the highest credit risk groups and accordingly charge higher interest rates, they provide an excellent opportunity for young people to start establishing a credit history that will ultimately get them a credit rating. A good credit rating is not only important in helping a person secure credit but is also very useful when it comes to securing job, getting insurance and a host of other important things most peop... Keywords:
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ihintz Navarro Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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