http://www.studentcreditcardscenter.com/student-credit-card-blog Tips & Tricks for Managing Credit Tue, 05 Jan 2010 01:40:31 +0000 http://backend.userland.com/rss092 en It was less than 60 years ago in 1951 where the first version of a credit card appeared when inventor Frank McNamara created the Diner's Club Card. This paper wallet sized card was intended for consumers to pay off their restaurant bills on a monthly basis which therefore made it ... http://www.studentcreditcardscenter.com/student-credit-card-blog/2010/01/the-brief-history-of-credit-cards/ 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 ... http://www.studentcreditcardscenter.com/student-credit-card-blog/2009/12/smart-spending-and-your-first-student-credit-card/ 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 ... http://www.studentcreditcardscenter.com/student-credit-card-blog/2009/12/3-tips-to-help-manage-multiple-student-credit-cards/ If you have not heard one of these calls then this is a warning to watch out for: Robocalls that claim they can negotiate lower interest rates with your credit card companies. Many people have decided to become part of the Do Not Call lists but despite their efforts these ... http://www.studentcreditcardscenter.com/student-credit-card-blog/2009/06/beware-of-credit-card-robocalls/ Compared to the first quarter of last year, the delinquency rates on credit cards have experienced a minor increase. Due to the recent decline in the economy many consumers are faced with tough decisions on which bills to pay. Unfortunately it seems that credit cards are falling low on the ... http://www.studentcreditcardscenter.com/student-credit-card-blog/2009/06/delinquency-rates-on-credit-cards-increase/ Make sure to review all credit card statements Growing up in the age of technology, most of us use online banking to pay our bills and check our credit card statement. Some consumers do not even have their paper statements mailed to them and strictly use the Internet. Regardless of which ... http://www.studentcreditcardscenter.com/student-credit-card-blog/2009/06/top-5-tips-to-protect-yourself-from-credit-card-fraud/ Did you know that every time you make a purchase with your student credit card the merchant or retailer has to pay an interchange fee for the transaction? This fee is one of the key reasons why many small restaurants only take cash, because they cannot afford to pay these ... http://www.studentcreditcardscenter.com/student-credit-card-blog/2009/06/credit-card-act-looks-to-help-merchants-better-negotiate-fees/ On May 22nd 2009 President Barack Obama signed into law a ground breaking Credit Card Bill that looks to better protect consumers by banning certain practices and enforcing some new rules. One of the most significant changes applies to college students under 21 who are looking to acquire a student ... http://www.studentcreditcardscenter.com/student-credit-card-blog/2009/05/new-rules-for-students-wanting-credit-cards/ As a continued sign of the struggling economy the average credit scores in the US fell an average of 6 points as reported by TransUnion. The data that comes from the third quarter of 2008 to the first quarter of 2009 is based upon their TransRisk score as compared to ... http://www.studentcreditcardscenter.com/student-credit-card-blog/2009/05/credit-scores-decline-in-the-us/ 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 ... http://www.studentcreditcardscenter.com/student-credit-card-blog/2009/05/tips-to-lower-your-credit-card-interest-rate/