Comments on: Best Student Credit Cards & Tips For Smart Credit Use

By: Paula

Paula — Tue, 13 Dec 2011 02:42:44 +0000

I am doing a research for my personal finance class and I’m wondering, what is the credit limit and the minimum payment for the Discover Student Card?

By: Jaime

Jaime — Tue, 26 Jul 2011 17:55:53 +0000

I just applied and got approved for the citi forward card today. I don’t know why some ppl get approved and others don’t because I have no credit at all and alot of loans. This is my first card and I wanted it for emergencies since I’m moving far from home and I want to establish my credit before I buy a car next summer.

By: Tony

Tony — Sat, 18 Jun 2011 02:00:50 +0000

It has always amazed me how may people carry balances. They way I look at it is that things cost enough without having to pay interest on them too. If you cannot pay in full at the end of the month, then just do not buy it or it will end up costing even more!

By: David

David — Sun, 03 Apr 2011 09:18:50 +0000

Ok so I am a current student, I am trying to find a job but can’t seem to get one because I have no experience and go figure I can’t get experience if I don’t get a job. But I tried getting a card through my bank and I was rejected, and now I am trying for the Discover card. I was just wondering what my chances are for getting the card? I know it works wonders in 6 flags as well which is my 2nd main appeal to Discover.

By: Lind

Lind — Wed, 05 Jan 2011 02:49:07 +0000

You have to attend a four year school for the discover card.

By: Boris

Boris — Mon, 08 Nov 2010 22:38:59 +0000

I started my CC history with Chase at age 16 or 18 (forgot which), by putting $400 into a secure secured credit card. I’ve used that CC card for almost everything but I paid in full and in time. I’m now 20 and have a non-secured CC with $600 credit limit and 18% APR.

So my suggestion: go with secured credit card and use it for everything, but make sure to not miss a single payment and if possible pay in full each time. After a year or so you should be eligible for a non-secured CC with an amount of ~$200-300

By: KC

KC — Wed, 09 Jun 2010 16:42:41 +0000

I was told that even for the secure credit card, or the student bank card, I still need someone to co-sign for me. My parents are in no shape to do that for me, and I am over 18. I have a steady job, but am not currently enrolled in school. Are the two cards above still feasible?

By: Jim

Jim — Mon, 14 Dec 2009 13:43:45 +0000

It’ll depend on the credit limit they extend.

By: Tom

Tom — Mon, 14 Dec 2009 07:00:06 +0000

What is the spending limit on the Discover Student Card?

By: aua868s

aua868s — Sun, 29 Nov 2009 21:06:42 +0000

my fav when i was a student was the citi divident mastercard…it still is…but the only caveat is the cap on the cash back of $300/year.

By: tb

tb — Sat, 31 Oct 2009 02:22:45 +0000

For those who are struggling getting their credit build the best way is to get the secure credit card from your bank where you have checking or saving account.I did this 2 years ago as I had no credit at all and within a year I got it on about 550 and now is within the 20% of consumers with excelent credit card. It as well builds a discipline for paying your bills and staying within the limit. Hope this helps.
By the way I have a credit card with annual fee. You have to figure if you spend montly 250$ on credit card with APR and it is lets say 11%, that comes out to 27.5$ montly in APR and 330$ per year. I pay my annual 100$, so I guess saves me money and do not have APR and have a membership reward points that I cash in.

By: Ap

Ap — Sat, 08 Aug 2009 12:18:02 +0000

I graduated high school early this year and have been working in the banking industry since. It is IMPOSSIBLE for me to get any sort of credit card. How am i supposed to build my credit without one? I was wondering if you HAD to be a college student to get one of the discover cards. I do not plan to attend college at this time because of the job I have been fortunate to recieve at a young age, it does not say anywhere on there sight if being a student is a must. This is the only card i have a chance to be approved for. If anyone knows the answer to this i would be very happy.

By: chelle

chelle — Sun, 17 May 2009 00:19:33 +0000

I was declined for the citi credit cards because I do not already have a credit record. Ah, life. So I am still looking for a way to establish credit, but I wanted to let you know that citi does not help out the average student.

By: Glenn Lasher

Glenn Lasher — Sat, 21 Mar 2009 12:50:19 +0000

Off-topic, Jim, but are you located in Albany, NY? That photo is from the University at Albany campus, near the student union.

By: Olivia

Olivia — Fri, 20 Mar 2009 19:21:36 +0000

My husband just got the Discover Student card and we are very happy with it. We researched credit cards a lot before we chose one. The student card offers the same rewards as the Discover More card. You can read about our search on my blog.

Philip–I agree that when you spend a lot an annual fee may be worth it, but I do not believe that most people spend that much. I think the majority of people are better off with cards without an annual fee.