Credit Card Applications
Questions
User Questions
Student Credit Cards
I'm looking to establish a credit history. I prefer to make my purchases with my debit...

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

I'm looking to establish a credit history. I prefer to make my purchases with my debit card, however, I need a credit history. What would be your expert opinion? I'm thinking the student card. Thanks

Answered on Jan 27, 2012

Updated on Feb 5, 2013

The content is accurate at the time of publication and is subject to change.

If you are a student you should consider student credit cards. If you are not a student and have sufficient income, you should consider our offers for limited/no credit cards. These cards are created for those who want to establish their credit history. Also, most of these cards have rewards programs and low APRs.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

questions RELATED
TO THIS TOPIC

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...