Choosing the Best College Credit Card

A college credit card is a great first step in establishing a good credit history. Building credit may not be top of mind while you're still in school, but having good credit is essential for acquiring a car loan, renting an apartment, purchasing a home, qualifying for the best credit card offers, and may even affect obtaining a job.

Choosing a college credit card can be an intimidating process, especially for first-time cardholders. By doing your research and understanding the terms and conditions of the card you are considering, you can make an informed decision and find the credit card that is best suited for your needs. 

1. Make sure you have a steady source of income. Before applying for a college credit card, make sure you have a steady source of income to cover any bills and other expenses. It is important to have a reliable income to ensure that you are able to make payments on time.
2. Compare credit card offers. Compare different credit cards to find the one that best meets your needs. Look for cards with low interest rates and fees, as well as rewards programs that will benefit you.
3. Read the fine print. Before applying for a credit card, make sure you read and understand the fine print. Be aware of any fees or charges associated with the card, as well as any limitations or restrictions
4. Set up automatic payments. Set up automatic payments to ensure your bills are paid on time and your credit score will remain in good standing.
5. Pay your balance in full. Try to pay off your balance in full each month to avoid carrying a balance and accumulating interest.
6. Use your card responsibly. Only use your card for necessary purchases and avoid using it for cash advances or buying items you can’t afford.
7. Monitor your credit. Make sure to regularly monitor your credit score for any suspicious or incorrect activity.

Provident College Credit Cards

Provident has designed credit cards specifically for college students to help them become financially independent and build credit for the future. Discover which Provident College Credit Card is right for you.
 

Features	Provident College Visa®	Provident College Share Secured Visa®
	Provides students a way to take control of their money to gain responsible money management skills. It's perfect for buying books and supplies.	Gives students with no employment and credit history the chance to build the kind of credit history that will be essential after graduation.
Credit limit of $1,500
No annual fee
No foreign transaction fees
Qualify with little or no credit history
Qualify with no employment history
No credit check required
Low security deposit required
Merchant discount program: Visa Discounts
Zero Liability Fraud Protection Guarantee
Complimentary access to ID Navigator powered by NortonLifeLock™
24/7 call support
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