Find
a Student credit cardIf
you want to find student credit card with confidence, I have pulled together specific
information about particular card issuers and providers so you don't have to shop
round. There are so many providers, I have chosen a few that provide what I would
describe as the best student credit card.
MarblesTo
be successful you must be at least 21, have some employement (an income of around
£12,000 is generally a reasonable level) and have a good credit history. If
you think that's you then Marbles allows you to shop safely on the internet and
on the high street (if not try the Capital One card below). Currently offering
0% APR for 6 months. Look at your account online whenever you like from anywhere
in the world. Go shopping. Check what you've spent. And pay the balance - without
having to step outside the door.
Barclaycard With
an 11.9% APR (typical rate 17.9%), 6.9% APR guaranteed balance transfer rate,
No annual fee and up to 8 weeks' interest-free credit, the UK;s favourite card
could be right for you. Throw in fraud protection, telephone and email customer
service, the new Nectar programme and other great cardmember deals, this could
be the card for your student studies.
Capital One Classic
MasterCard Designed
to help you build and strengthen your credit rating - this could be perfect students.
A card with an APR of 25.8% for purchases and an annual fee of just £18.00,
the Capital One Classic MasterCard gives you all the flexibility of a credit card. Credit
Card Terms
A
credit card is a form of borrowing that often involves charges. Credit terms and
conditions will affect whether your pay through the nose, so it's wise to compare
terms and fees before you agree to open a credit or charge card account. We
have pulled together some important terms to consider, all of which should be
disclosed in all credit card applications and advertising: Annual
Percentage Rate : The APR is a measure of the cost of credit, expressed as a yearly
rate. It also must be disclosed before you become obligated on the account and
on your account statements. The
card issuer also must disclose the "periodic rate" - the rate applied
to your outstanding balance to calculate the charge for that billing period. Free
Period : Also called a "grace period," a free period lets you avoid
finance charges by paying your balance in full before the due date. Knowing whether
a card gives you a free period is especially important if you plan to pay your
account in full each month. Without a free period, the card issuer may impose
a finance charge from the date you use your card or from the date each transaction
is posted to your account. |