When you get your first student credit card you have the opportunity to learn good spending habits and proper use of credit. It will also help start your credit history and build your credit score which are both extremely valuable to your future. These factors will help determine the type of interest rates you will [...]
Use Automatic Payments or Utilize Online Banking
If you happen to be bad at remembering to pay your credit card bill each month then it may be smart for you to set up automatic payments with your bank and card issuers. This will help save you from missing payments and accruing late fees as long as [...]
In today’s economy, it is surprisingly no easier or harder to lower your credit card interest rate. However, there are a few things to keep in mind before doing so. First and foremost, make sure you are in good standing with your credit card company. If they decide to raise you rate and you are [...]
There can be so many reasons to close one of your student credit cards. Sometimes it’s because you’ve maxed one out and want to take steps to stop spending, or your credit card company has recently changed the terms on your card, and not for the better. It is so easy say “I’ll show them, [...]
As it turns out, trying to lower your credit card interest rate is much easier than it sounds, especially if you are in good standing with your credit card company. Recent studies show that roughly 57% of those who simply contacted his/her credit card company and asked for a lower rate got one between [...]