Lots of people argue that there should be no credit cards for students for the simple reason that they are not responsible enough and can land in huge credit card debt. This fact can be true to a certain extent but credit cards help the students tremendously during their student life. This article takes a look at essential things to keep in mind so as a student doesn't get bogged down by the credit card debt.
Build a habit of shopping around for things more so for student credit cards:
When you enter a college there are numerous credit card companies waiting to offer you a credit card. Look at each one of them, it might look as time consuming initially but it will save a for you over the college years. A student credit card with lowest APR and other fees will be suitable. Look for rewards that bring additional savings to you. Remember money saved is money earned.
Budget your expenses:
Making a budget is what everyone should learn in early life. The sooner this habit is imbibed, more rewarding the financial future becomes. Budget out your expenses, and eliminate the wastes. Being frugal is not good but being wise helps.
Stick to your budget:
There are temptations to spend more and there will always be. Getting lured into these temptations is a sure shot way to run into credit card debt. Remember every purchase that you make with a credit card is a loan and has to be repaid at the end of the month with interest.
Spend some cash:
Avoid the habit of paying for everything with a credit card. This will accumulate a large credit card debt, on the other hand if you decide to pay with cash for certain items, it will keep your budget intact and promote financial discipline. Since you are spending only from what you have, not borrowing.
Repay on time:
Owning a student credit card is often the first step towards building a credit history. If you repay all your credit card balances on time it will work wonders for your credit history. A small job, part time assignment, tuitions, anything can augment your income while you are in the college years. Paying your own debt builds essential self confidence which, is crucial to succeed later on.
Keeping these things in mind will help you make the most of your student credit cards and build strong foundations for a good credit history.
Duran Mueller an expert author and credit card consultant, provides great Problem credit card tips. Read more credit card articles at his credit card website.
I'm a student and want an american express charge card, what kind of credit score do I need?
I'm a student and I want to apply for an american express charge card, preferabbly someone with experience applying for one with american express and who is a student, what credit score would a need to get an amex charge card, Currently i have limited credit history, though its all positive and I do have an income.
Thanks for people's advice not to go with them at all, however, I want a charge card as i'm then required to pay it all in full every month, if you still think i should not go with them can you at least anwser with some detials on how they are bad and which companies i should choose to get a credit card from and what credit score i would need from them, but again, I would also really want to know what credit score I would need for an AMEX charge card
Answer
Out of a 925, I am a 795 (thank you) 
so you tell me what you have to be to get this card because I have been denied by them twice over and won't put my credit score on the line by applying again. The way I see it, they are looking at more than your credit score, they are looking for big spenders with homes and pricey cars.
Every time you apply for a card, an inquiry goes on your credit report that can be seen by creditors, so not only do they know what credit you Have they also know what credit you are tying to get and being denied for. These inquiries stay on the report for 2 years.
I was 35 before I had any credit because I chose to pay cash all my life. Apply for a revolving card, either a secured card for a few hundred dollars, or a store card, but beware, stores have very high APR's I started with a secured card with $200 credit. I used it for gasoline and paid it off every month. The offers will come to you, but be patient, and be choosy. As a student with an income, you shouldn't have any problem getting a card. Have you tried your bank where you have a checking account? You do have a checking account??
Hope this helps and good luck, but do listen to the advise of staying clear of AE.
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