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Credit Cards

Getting a credit card can be stressful and confusing. We are here to help. 

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First things fist... Know your credit score. 

In order to get a credit card, you need to know your credit score to see what you are eligible for. All credit card companies check your credit when you apply for a credit card. Credit score is a range of numbers (0 to 850) that measures your creditworthiness or the likelihood of you paying money back. 

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Credit Scores:

  • 0 - When you have a credit score of 0 it either means that your credit score is non-existent or really bad. 

  • 300 - 629 - Bad Score

  • 630 - 689 - Average Score

  • 690 - 719 - Good Score

  • 720 - 850 - Excellent Score

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The highest your credit score is, the lower interest rate you will receive. 

The interest rate is basically how much the credit institution is charging you for just borrowing their money.

Below is a great website for you to check you credit score for free:

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Getting a Credit Card

If you have no credit and are interested in getting a credit card, you might want to get a Secured Credit Card. A Secured Credit card is backed by a security deposit that the credit card company requires you to pay up-front. This will be your credit limit. At the end of your "probation period" the money is returned to you and your credit line may increase. 

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If you are looking for get a credit card, these are great places that offer great deals for college students. 

If you have any questions, please feel free to make a phone appointment with one of our specialists. 

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