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Want to apply for a creditcard?

Be aware your taking up a big responsibility getting a creditcard. How come so manny people don't realise that? Banks try to suck students in a never-ending debt, by seduce them with free food, gifts and so on. In my opinion this is a crime. Read this article and you will be flabergasted; "Selling Students into Credit-Card Debt"

Now citibank receives baaad publicity, they act as if their nose bleeds. Nevertheless creditcards can be handy, but make sure you get one for the right reason, eand bear in mind the following:

  • When making purchases and charging them to your new credit card, I would recommend doing so only if you are certain that you can pay off the balance in full at the end of the billing cycle when your statement arrives in the mail. Using discipline will ensure that you don't end up with a high credit card balance that you can't pay off, and therefore have to pay costly interest payments on the balance.
  • Be sure that you always make your payments on time. If a circumstance arises where you don't receive the bill in time to make your payment, simply call your credit card customer service number and inform them that the bill arrived late and payment is on the way. Typically, they'll make sure to waive any late fees that would have been charged and note the account as not being late.

Hopefully this brief article has given you some helpful things to keep in mind as you're applying for your next credit card. Remember, use your credit responsibly!

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