Establishing Credit - Best Credit Card for a college student?

playtowin · #1 07-27-2007, 05:06 PM

I'm currently in the process of establishing credit... I normally only use a debit caard (or cash), and I have no student loans. I have a student credit card through my bank, but from what I understand, it's really not doing anything for my actual credit score (I believe its simply designed for students to get used to handling a credit card). Anyways, my parents think i should apply for a credit card, and I figured 2plus2 would be a good forum to find out the best way to establish credit/get a credit card for a college student. any ideas?

edtost · #2 07-27-2007, 05:34 PM

http://www.fatwallet.com/t/52/711457/

d0nkaments · #3 07-27-2007, 10:06 PM

I have the Citi card for college students
Great rewards for the value, and low low interest rates. Also, they even reward you for good GPA, and paying on time. ftw.

d0nkaments · #4 07-27-2007, 10:06 PM

PICTURE:

jupiterpig · #5 07-27-2007, 10:48 PM

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PICTURE:

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I thought about getting that card but decided to get the CITI Professional card. I get 3 pts/$ at Restaurants, Gas stations, and office supply stores. It also makes sense for me b/c I drive a gas guzzler - live 2 hours from my g/f and since i have a g/f, eat out a lot...half way to an ipod now...it is worth considering if you spend lots of money at these places, their points program is decent

d0nkaments · #6 07-27-2007, 11:52 PM

either way, i think citi has great credit card deals and rates.

their regular commercial banking.. not so great.

emon87 · #7 07-28-2007, 01:08 AM

I have the AmEx Blue Cash (among others) and love it.

Dazarath · #8 07-28-2007, 07:45 AM

I don't understand why you think a student credit card from your bank won't help your credit score. I think it should. But if you're going to go look for another one, I guess it depends a little on what score you have. It's nice to get a rewards card (if you pay off the balance in full every month), but sometimes it requires a better credit score. Student credit cards are designed for kids with little credit history. If you do decide to go for a rewards card, a cash back card is usually nice. I use Chase Freedom myself.

playtowin · #9 07-30-2007, 11:59 AM

thanks for the responses... I'm probably going to look into a citi credit card... as it is, my bank credit card offers no rewards at all.

XXXNoahXXX · #10 07-30-2007, 12:28 PM

Whatever you get, as soon as you get it, tell em you want better interest rate.