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Home > Credit Cards > Blog > This will be my first student credit card. Wish me luck! Credit cards and student credit cards

This will be my first student credit card. Wish me luck!

Friday Jan 15, 2010

Iím a 2nd year college student and my parents want me to start paying for things on my own. I have a student job and make okay money but I feel like I need a little bit of help. So, here I am, looking at getting a Student Credit Card for emergencies. Iíve checked out a few of the ones on this site and Iím not sure which one to get.

I guess I have a couple of questions. Do I want to get a student credit card and use it all the time and pay if off each time so it builds up my credit or do I only want to use it for emergencies? I know the more you use a credit card, depending on which one you choose, you could earn some pretty nice rewards. All of the student credit cards offer 5% cash back bonuses, which sounds pretty good to me. Thereís no annual fee which is great because I would rather not pay to have a credit card each year. Is there anything in particular that I should be looking for when choosing the right card? I know I want a low APR rate and probably one that wonít charge me crazy fees. Aside from that, Iím not really sure what else to look for.

I suppose thereís no difference in which one I choose as long as I pay them all on time, Iíll get rewards with them all. And, Iím sure my limit wonít be too high, seeing as Iím a college student and all. Iím really excited to have my first credit card but I just donít want to use it so much that I get in trouble. Does anyone have any tips on being responsible with a student credit card?

Iíll be choosing one this week and I hope I get approved. I canít imagine I wouldnít get approved for a small amount on a student card. Iíll probably end up going with the Discover Student Card - Tropical Beach (because itís a cute card) and I think it offers a lot of benefits.

This will be my first card. Wish me luck!

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