Forever Trading Card
4
Jun/070
Jun/070
Forever Trading Card
What is the purpose of student credit cards?
I mean, I understand the concept of building credit and everything, but what is the point of student credit cards? What is the purpose? I'm sorry if this is a silly question, but I don't really get it.
And can you trade them in after you're no longer a student for a "real" credit card? Do people just keep them forever? I always thought closing accounts lowered your credit score?
Student credit cards offer students with little or no income the opportunity to prove their creditworthiness. They tend to have higher interest rates than standard credit cards since students pose a higher risk of default. But the credit card companies want to gain loyal customers early-- and see college students as a great opportunity.
Many BIG issuers have gotten into the 'student credit card' game. To see a complete list, visit:
http://www.asapcreditcard.com/student-cards.html
When you decide to upgrade to a 'regular' credit card after school-- don't worry too much about closing the old account. Although it will have a slightly negative impact-- it's only short-term.
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