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Magnify Money is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site.This compensation from our advertising partners may impact how and where products appear on the site (including for example, the order in which they appear).Your unique situation will determine which credit card you should (and could) apply for.
The borrower will see his or her credit score improving over six months to a year and can eventually leave behind the secured card for a traditional credit card.
Be sure to take a secured card from an FDIC-insured organization, like your bank or local credit union.
(Yes – they’re hopefully you’ll fall into debt.) College students with an established bank account or credit union can likely get a credit card from their current financial institution.
Other options include: these cards often come with high interest rates – so be sure to read the tips in step four and mind your spending.
It’s important not to spend much on the card because your credit limit is likely to be quite low. Odds are high you’ve been offered a store credit card at least once in your life.
Store cashiers inquire if you’d like to open a store credit card, often in exchange for a certain percent off your purchases.
Often the borrower’s credit limit is the same amount as the deposit, but this isn’t always the case.
In the instance of Capital One’s Secured Master Card, a borrower puts down approximately for a 0 credit limit. If the borrower cannot make payments, he or she will forfeit the deposit.
You need to understand the details of your card, before signing on the dotted line. It’s ideal to have a credit card with a low interest rate, like Pen Fed’s 9.99%.
You want to avoid ever paying interest, but in the case you do end up not being able to pay your bill in full, you need to understand the rate you’ll be charged. With the exception of needing to get a secured card, don’t bother spending money on an annual fee when you’re starting out with a credit card.
In fact, college students’ debt-to-income ratios are commonly skewed in the wrong direction.