I am a student on an F1 visa and do not have a credit history. I want a credit card with...
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I am a student on an F1 visa and do not have a credit history. I want a credit card with no annual fee and no activation charges. I just need this credit card for building my credit history. I haven't understood what does APR means. Is it the interest which is applied if we do not pay the amount on time? What if I pay each bill on time, will they still charge me the %APR? Please suggest me a credit card which I can apply for so that there is no annual fee and if I pay the bills on time I will not be charged anything else like any other hidden charges.
Answered on Sep 30, 2013
Updated on Sep 30, 2013
The content is accurate at the time of publication and is subject to change.
If you have Social Security number (SSN) you can get a credit card. In addition you will need to provide your permanent address. If you have a job or some other kind of income and a checking or savings account, that will increase your chances to get a card. Since you are a student, consider applying for a student credit card.
As for APR, it is an annual percentage rate you will pay on any outstanding balances. If you pay the balance on your credit card in full every month and do not max out your credit card you won’t be charged any interest. If you do not pay off the balance in full every month and make only minimum due payments, the interest will accrue. So pay off the amount you owe if you do not want to pay the interest.
I am a student and do not have credit at all. Do you think I will qualify for the Blue card from American Express?
To apply for the Blue card from American Express you need to have a good or excellent credit score. This means you need a credit score of at least 700†. Although, some applicants have been approved with a credit score as low as...
I am a student and do not have credit at all. Do you think I will qualify for the Ulta Beauty card?
The Ulta Beauty's credit card is a store credit card and store cards usually require applicants to have an average credit history. Also, like any store credit card, Ultra credit card comes with a high interest rate of up to 26.24%. If you are not...
If I get the student debit card from Community First union, will I be able to build my credit history?
No. Debit cards as well as prepaid cards won't allow you to build credit history. The reason is, you are not given access to a credit account and the debit card activity is not reported to the major credit bureaus. If you want to build your credit,...
I just turned 18 this year and want to start building credit how do I do this?
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. However, note that it will work only if...
I'm a 19-year-old student. I have no credit. I want to establish and begin building my credit profile. What is the first step I should take? I have a Wells Fargo debit card. Should I apply for a credit card through my bank or can I apply for any card? Also, how exactly do credit cards work when I buy things? I assume that once you apply and receive your card, if you use it you will receive a bill in the mail the following month and then you send off a check or cash to the credit issuer. Is that right? I'm a little frustrated attempting to understand the rules and what to look for in the card agreements.
You can apply for any student credit card. You don't need to go through the issuer you have a bank account with. Before you apply though, check your credit reports. Make sure any information on them is accurate. If you find any errors, dispute them...