Student Credit Cards Questions

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User Questions & Answers about Student Credit Cards

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Credit cards for students are like lifesavers but sometimes you need help to deal with them. Feel free to address any of your questions to our experts and you will surely get help. Remember our experts are at your service all the time.

Recently Answered Questions:

If I get the student debit card from Community First union, will I be able to build my credit history?

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Leo Zhu
No. Debit cards as well as prepaid cards won’t allow you to build credit history. Continue reading
I just turned 18 this year and want to start building credit how do I do this?

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There are several options for you. The first one, and probably the easiest one, is to become an authorized user on your parents’ credit card. As an authorized user you will be issued a separate card. Continue reading
I am currently in school and I am trying to start building my credit. I am 21 and I’m pretty sure I have no credit. I was wondering if this Journey Student Card would be a good for me, and if I would even be approved? If this card isn’t for me, which would you suggest?

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To get approved for the JourneySM Student Rewards from Capital One® you should have a credit report with at least one of the credit bureaus. Check your reports with the three major credit bureaus (TransUnion, Equifax and Experian). Continue reading
I’m only 18 but I want to build my credit. Which card should I apply?

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If you are a student, you can apply for a student credit card. These cards usually have lower rates and fees than traditional cards. They also can have a rewards program that will allow you to earn cash back or bonus points on your purchases. Continue reading
I am a college student with no credit history. I was hoping to get a credit card that would help me to build some good credit. I was hoping to find a card with little to no yearly fees. My main purpose is not to get reward points or cash back, I just want to build credit. Any advice on what card could help me would be great.

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You can consider applying for the Discover it® for Students credit card. There is no annual fee or activation fee. The issuer will report your credit activity to the major credit bureaus every month. Continue reading
I’m 18. I don’t really need a credit card, but do need to build my credit profile. What are your suggestions?

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You can apply for a student credit card and build your credit history with minimum credit card activity. And if you pay off the balance every month you will be able to avoid interest charges. Continue reading
I would like my son to start building a credit history. The problem is that he is a full-time student and does not have a job. But he has a bank account. What are his options?

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Your son can apply for the Discover it® for Students credit card. There is no annual fee. Every purchase on the card will get a 1% cash back reward. Continue reading
I’m an 18 year old and going into my first year at college. I’ve never had a credit card and have absolutely no credit history. I’ve been looking for a credit card that would allow me to start building some credit for quite some time. I applied for one card through my bank but was denied due to not having any credit history. I would love to hear your advice on a card I could apply for and get approved so I can begin building up credit.

Answered by , at

You can apply with a co-signer, as an option. When you apply with a co-signer you are able to get a credit card in your own name even if you do not have credit history. You and a co-singer will be responsible for making payments on the card. Not all credit card issuers allow co-signing. Discover may ... Continue reading

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