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Poor Credit Could Cost You a Good Job
By Charles Essmeier
Most people who live in the United States have some sort of credit history. Nearly everyone with whom you do business - utility companies, credit card companies, banks and credit unions report the Read more...
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Resources
Credit Card Debt And Your Pricey Purchases
By Joe Hanoa
One area of concern with credit card users is their possible inability to repay their cards when the monthly bills arrive. In some cases what had originally been small month to month balances Read more...
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Resources
Tenant Credit Report and Background Checks
By E Renter
If not a common practice, landlords should make it so, to approve prospective tenants only after checking and verifying their credit report and references. Tenant screening alerts one to potential Read more...
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Refers to that part of double entry bookkeeping that mirrors debits.
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#Welcome to
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The Importance of Using Student Credit Cards Wisely
By Morgan Hamilton
Are you familiar with student cards? These cards are meant for college students, and are easier to get than regular cards. They can help a student establish credit, but they can also bring problems to careless students.
Student cards can be a source of temptation for college students. Young adults can be easily tempted to buy unnecessary things with their card, even if they do not have the money to pay for it. Eventually the balance they charged for their shopping sprees must be paid back.
If a college student is unable to pay the full amount within a certain period of time, interest will be charged. Credit card companies charge interest at a percentage of the over due balance. For instance, if a student has a $100 balance and the card company charges a 15% interest rate, the student now owes $115 to the card company.
The interest keeps adding up and eventually the student may end up paying only the interest, and their card balance is never going to be paid off. That is why the parents of college students should first explain the proper use of student cards to their children, before they allow them to get cards.
There are also a few things that should be examined before students choose a particular card. It is important
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to check the annual fee of student cards. An annual fee is a lump sum that some card companies charge to their card every year.
It would also be wise to look at the interest rate and other fees of student cards. There are cases where the interest charges can send a card over the limit. This will cause extra fees, and the student will be unable to use the card. Students should pay attention to the different terms and conditions of student cards, so that they can determine the particular card that is best for them.
Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Student Credit Cards
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