Latest responses to “The Best Student Credit Card Rewards and Offers” Copyright 2013, MoneyBlueBook.com 457120 2010-01-08T03:53:18-08:00 Credit Card Chaser I am all for getting a credit card as early in life as possible ONLY so long as parents are heavily involved and can teach kids from an early age how to use credit responsibly and pay off the balance in full each month, live within their means, etc. The sooner one can start building their credit history the better. 457110 2009-10-30T00:02:36-07:00 Purfect Citi credit cards are pretty good for students. They have this popular mtVU that pays you cash back rewards for eating out which for me is a huge monthly expense. Sorry you got denied because of bad credit. Strange that they'd deny you though. Did you have a history of not paying your bills? 457100 2009-10-29T23:42:04-07:00 Sean Citi didn't give me a card. They said my credit wasn't good 457080 2009-06-05T23:59:36-07:00 Jim Mariah- Yes most of these student card offers are available to those without any credit histories. After all - they are student cards and almost by definition, students generally don't have much of a FICO credit score to speak of. I got my Capital One and CitiCard student cards when I was just a college student so I can testify to that fact. While these are definitely not credit cards that help or offer their programs in our best interest, they do allow us students to have a way of building up our credit from nothing 457090 2009-05-30T02:13:34-07:00 Mariah Can I apply for student credit cards even with no credit history? Just wanted to be certain before I apply since I've been told that it's bad to seek credit too often. I'm a college freshman right now and have never held a credit card account. I don't even have a bank account in my own name as my parents pay for everything. Can I still qualify for these student cards? I've asked around and most people have been telling me that it should be okay since the point of student cards is to allow college students like myself the chance to build up credit scores and reports from scratch. 457070 2009-01-02T19:57:18-08:00 StudentCreditCards This is an excellent editorial by Money Blue Book! It is refreshing to read an informative blog article like this. It is important to inform students of their options in obtaining student credit cards as credit card companies still set up tables on campuses enticing students to apply for one specific credit card by giving away free items such as T-shirts and free soda. This has a negative impact on students because they are starting off in the credit world on the wrong foot by getting their first credit card not because they want to, or are ready, but because they simply want a free gift. These companies on campus also leave out the option for students to choose from a variety of student cards. Credit education and information is often left out and the student is likely to take their newfound financial responsibility less seriously then if they had originally sought credit themselves, without incentive and when they feel they are ready. 457050 2008-07-14T16:38:49-07:00 Lauren S. A recent CNN article discussed the prevalence of credit cards on campus targeting college students. These credit card companies are definitely trying to target these unwitting and financially unprepared students who have no idea how to handle the use of credit. But it's hard to really sympathize of many of these students who are no longer teenagers who simply shouldn't be having a credit card in the first place. They are young adults and need to take greater responsibility over their lives. All they do is cry to mom and dad for more money to help pay off their credit card debts. It's always a spend first, think later mentality and I'm getting sick of it. I received my first student credit card - a Citibank one back in college and I did just fine 457060 2008-07-05T02:21:40-07:00 Darren I don't it still....what's the point of a student crdit card compared to a regular consumer card. I guess the no income limitation and the lack of a co-signer requirement are the primary reasons for college students like myself to go for student credit cards right? 457040 2008-05-01T00:38:04-07:00 Jason It is so hard to get credit, and if you make bad choices, it is even harder to clean up. I was never really taught how to handle finances, and still struggle with it. I have worked hard to get my credit cleaned. We now both have good credit scores, but if we had learned how to budget and use finances wisely, we may not have been in our thirties before our credit cards were paid off and we were not just living paycheck to paycheck. 457030 2008-03-06T17:40:59-08:00 Tom Awesome article! When it comes to student credit cards, I wish credit card companies were more responsible with students when signing them up. I think it would be great if colleges around the globe would offer mandatory credit classes for a hour or so to show the effects of how a credit score affects you and your life. Besides the responsibility point, the MTVU card is simply amazing. On top of the thankyou rewards and the cash back power, they also offer a lot of thankyou points just for getting good grades, which should be another great highlight for the card.