Payments using plastics have been an American way of life. Very rare would you find Americans who pay cash for every purchase that they make especially with the proliferation of online shopping. This plastic cashor credit cardsare not just available for employed individuals but are also offered to students who are still in school via student credit cards.
If you are in school, you might wonder why you would need such a thing for your purchases. You have your student loan or scholarships to pay for your tuition and you can always get a job to pay for your other expenses. However, student credit cards can still offer a maximum advantage. Heres how:
They offer you maximum convenience. Just like ordinary credit cards, this is one of the biggest advantages of owning a plastic card. When you really need to buy a book or anything that you would need for school, you dont need to dig around for cash or ask your parents for it. Paying via student credit card is fast and easy, and most establishments or retailers accept them without any question.
Student credit cards can help improve your credit score. Of course, this can only be achieved if you use your credit card wisely and with every intention to pay off your debt on time. Building a good credit standing will help improve your future credit purchases, so if youre planning to buy a home after college (once you land on a regular paying job), then student credit cards can help again, if used properly.
Also, these cards can help you properly budget your monthly expenses. What you have to remember though is that this will only be feasible if you pay off your entire balance for the previous month that you spent. If your card sets a limit and does not allow you to spend more when you reach that limit, then it is much better so that you cannot spend anymore.
Student credit cards offer rewards and benefits to frequent users. Most credit card companies tie up with different establishments to offer rebates or rewards for any purchases that you make with your card. You can reap off cash back or airline rewards depending on which are provided by your card.
Student credit cards are always protected. This is one of the biggest advantages of student credit cards. For instance, if your card gets stolen, you will only be required to pay for the first $50 on the average but if you report the theft or loss immediately, the $50 can be waived so you dont have to pay for it.
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