should i get a college student credit card?

11 Mar
2010
credit card college student

Okay, so i was wondering if it would be a good idea if i got a Wachovia college credit card? i have my checking account at Wachovia. or is there some other better student credit card?

the terms of the card are:
- no annual fee
- promo balance transfer 0% for first 12 months.
- standard purchase APR: 8.99% – 19.99%
-standard cash advance APR: 21.15%
penalty APR: 29.99%
– variable rate info
Your APRs may vary and are calculated as follows:
Standard Purchase APR: Prime Rate + 2.99% to 13.99%; but not less than 8.99% to 19.99%, regardless of changes to the Prime Rate

Standard Cash Advance APR (including Promotional Convenience Checks used after 3 months of account opening): Prime Rate + 16.40%; but not less than 21.15%, regardless of changes to the Prime Rate. For Wachovia employees, Prime + 15.40% for the duration of Wachovia employment or retirement; but not less than 20.15% regardless of changes to the Prime Rate.

Default/Penalty APR: Prime Rate + 19.99%; but not less than 29.99%, regardless of changes to the Prime Rate.

i find this all a wee bit confusing. =/
please help! is this a good idea??

THANKS TONS! =)





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3 Responses to should i get a college student credit card?

Avatar

RJ

March 13th, 2010 at 7:47 pm

Respuesta corta: Sí, solicite la tarjeta. Pague a su cuenta el tiempo cada mes. Intente no llevar un equilibrio. Llame cada 3months y pida un ABRIL más bajo hasta que usted consiga abajo a ése el 8.99 por ciento. Llame cada seis meses para pedir un aumento del límite crediticio (I' m que no le anima a pasar más, pero límites más altos ayuda a su cuenta de crédito… mientras su gasto más). Después de usted haga bueno con esta tarjeta por un año. Solicite un azul de American Express (no el estudiante uno). Esta tarjeta le da garantías libres y daño accidental en la mercancía que usted compra. DON' ' T SEA NUNCA ATRASADO O SRTA. A PAYMENT AS THIS PERMANECERÁ EN SU INFORME PARA 7YEARS.

Avatar

Loo-Pay The Jedi

March 14th, 2010 at 11:19 am

this sounds like a good card if you are able to qualify for it, i say go for it but make sure you are responsible with it

Avatar

Matt

March 16th, 2010 at 1:26 am

Dat ziet eruit als een goede kaart. Elke kaart met geen jaarlijkse kosten is een goede kaart in mijn boek:) Ook kijken findcollegecards (Google it) Citi bank samen met hen tot 10x de punten bieden voor de eerste drie maanden. Ze hebben grote kaarten ook.

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