Student Credit Cards: When and How To Apply

Student Credit Cards: When and How To Apply

Credit cards for students have been available for generations. Students are offered a wide range of deals and cards and it is important to start determining what options are best for the individual. With so many choices, it is challenge for many students to determine which primary credit cards to select for their individual needs.

Selecting a Primary Card

Before signing up for credit cards, students should compare the offers and determine which will become the primary credit cards and which are only needed for secondary purposes. This helps prevent students from applying to a large number of cards they do not need while attending college.

Primary credit cards are the cards students plan to use most. Ideally, the main card should have a lower interest rate than other options to help keep the debt down while attending college and trying to work out tuition payments and buying necessary texts, essays, etc.

Secondary Cards

The secondary credit cards are best kept aside for emergencies rather than used on a monthly basis. Unlike the primary credit cards, which are used for needs in school or basic payments, secondary cards are not used for most situations.

The secondary cards are best left for unexpected costs and emergencies that might arise. As a college student, unexpected expenses like extra books might arise throughout the year. Having a card set aside to deal with this particular problem until after getting paid from a part-time job or receiving scholarships can help avoid problems in study while waiting for further funding.


Students who opt to apply for credit cards need to take personal responsibility in repaying the debts. Many student cards have a high interest rate due to the fact that young adults in college have not yet established their credit history. Obtaining the card opens doors to starting a credit history, but also requires working out a method of repaying the cards each month.

Ideally, students should minimize expenses on the cards and only use it for short term needs while waiting for scholarships, lower interest student loans or a paycheck from a part-time job. This helps prevent accidental overdraft charges and makes it possible to use only the primary credit cards while keeping the secondary cards inactive.

Credit cards are readily available to college students. Determining which to use for primary purposes and a method of managing the monthly payments on the debts helps prevent complications in the future while establishing a strong credit history.