Credit Card

Changing13
Thu, 12 Jun 2008 12:41:42 +0000

I can tell that all those who posted above me were just looking for good deals on credit cards, as opposed to GREAT deals! :)

I would recommend you to look at the following page.
https://www.citicards.com/cards/wv/showSearchResults.do?constituent=COLLEGE

Not only do you get the benefits of no annual fee, low APR and limited liability, you can choose what types of rewards you want.

The card I got was Citi® Dividend Platinum Select® Visa® Card for College Students. They gave me $800 Credit limit when I got approved and so was my sister. So if you get approved, I think that’s the amount you will get. It is better than the Chase card my sister got that only gave her $300 Credit limit. Also for the first six months, you don’t need to pay finance fees. That means you only need to pay the minimum, which is like 20 dollars, and carry the rest over to the next month. You can do that for six months, and then normal finance fees will kick in. On top of that, you get cashbacks for the normal purchases (purchases made over the internet don’t count) you make. This is a great deal for college students with no or limited credit history.

One more thing I would like to comment. Sometimes, you might get behind on paying your credit card bills on time. If it is your first or second offense, you can call customer services and have them give you the refund. You might need to give a decent excuse for not paying on time, such as I didn’t receive the bill, or I didn’t know there’s a two days delay in when I pay the bill online and the company receiving the money. And being nice always help. :)