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Old Mar 27th, 2005, 05:10 PM   #1 (permalink)
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Default Credit cards for students

I'm a university student living at home and I'm looking for a good credit card. I looked at canrock's comparison at http://www.redflagdeals.com/deals/ma...oliday/credit6 but it doesnt say anything about students. Will I be eligible for those cards? If not, what would you recommend?

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Old Mar 27th, 2005, 05:14 PM   #2 (permalink)
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Universities and colleges usually have credit cards they give out.. and they give em to anyone.
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Old Mar 27th, 2005, 05:16 PM   #3 (permalink)
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http://forums.redflagdeals.com/showt...credit+student
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Old Mar 27th, 2005, 05:27 PM   #4 (permalink)
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Quote:
Originally Posted by UrbanPoet
Universities and colleges usually have credit cards they give out.. and they give em to anyone.
like what UB says.

just goto the local campus bank and im sure they will give you a student VISA or MC.

my first year in waterloo in 1998 I got a student visa and MC with no problems.
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Old Mar 27th, 2005, 05:34 PM   #5 (permalink)
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Quote:
Originally Posted by ronny1980
like what UB says.

just goto the local campus bank and im sure they will give you a student VISA or MC.

my first year in waterloo in 1998 I got a student visa and MC with no problems.
yeah. They just want to LEEECCHH your money.
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Old Mar 27th, 2005, 05:36 PM   #6 (permalink)
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I got a TD Visa, Citibank Mastercard and AMEX as a student, no problems.

I think the Amex and maybe one of the other ones (can't remember now) had a minimum annual income. I put down my income as the minimum and put employer/source as "Parents and savings" and I got approved
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Old Mar 27th, 2005, 05:40 PM   #7 (permalink)
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Usually the cards offered on campus don't offer much rewards or benefits. But if you've got a good credit rating, just apply for the ones you really want and most likely they'll give it to you even if you have no income. But of course you can't put no income.... put like $4000-5000. I did that with my 1st CC (PC Financial) when I was 18 and I got it.
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Old Mar 27th, 2005, 07:08 PM   #8 (permalink)
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try this guide here
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Old Mar 27th, 2005, 07:40 PM   #9 (permalink)
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I remember getting a TD Visa card with I started university. It had a $500 limit, more than enough, I'd say. I didn't need my parents to cosign it at all.
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Old Mar 27th, 2005, 08:07 PM   #10 (permalink)
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Quote:
Originally Posted by kingsley
I remember getting a TD Visa card with I started university. It had a $500 limit, more than enough, I'd say. I didn't need my parents to cosign it at all.

That's what I started with too.
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Old Mar 27th, 2005, 10:14 PM   #11 (permalink)
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Quote:
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That's what I started with too.
Me three. But every since I got the PC Financial one, I haven't touched the Visa.
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Old Mar 27th, 2005, 10:14 PM   #12 (permalink)
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I have a citibank drivers edge on the way,

just count any rent/tuition fees that you pay out as annual income since your parents are giving it to you to pay or what not.
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Old Mar 28th, 2005, 12:39 AM   #13 (permalink)
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im 20, a student, and have applied for every credit card i've been able to, and yet have only approved for two. cibc classic visa, and bmo mosaik mastercard. the td one i was rejected because i wasn't a full time student.
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Old Mar 28th, 2005, 10:32 AM   #14 (permalink)
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Im a student and I dont just want the regular student CCs.

I want the best one I can get.

I applied for HSBC Mastercard (have an account with them) and PC Financial for their card.

I hope I get accepted. I put a minimum income down of $15000 (am a full time student) but also put that I'm unemployed at present (although I have part time jobs).

will it work?
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Old Mar 29th, 2005, 12:16 AM   #15 (permalink)
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I have a Royal Bank student card. The interest rate is stupid like 18%, but no annual charges. I still haven't used it once and don't intend to though.

LEMAR
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