Reviewing the major student credit cards, it is easy to see that most are designed to maximize profit from interest and fees charged to the students. The Citi® Dividend Platinum Select® Visa Card for College Students looks to prove friendlier to the college students who use it. Yes, credit cards can be easy to get in trouble with if abused, but when used responsibly, they can really be an asset in the personal finance department.
Does This Credit Card Go Above and Beyond?
The Citi® Dividend Platinum Select® Visa Card for College Students holds its own in several categories. First and foremost, this credit card is known for being relatively easy going when it comes to approving college students. It requires no minimum income and no cosigner, eliminating the hurdles faced by many students.
Reasonable cash back rewards are extended on all purchases, from 1% across the board to all the way up to 5% for supermarket, gas station, convenience store, and utility purchases. Unfortunately, this higher amount is bumped down to 2% after the first 6 months of having this card.
Citi® Dividend Platinum Select® Visa Card for College Students is respectable when it comes to not charging a hefty annual fee. In fact, this card charges no annual fee at all, which used to be practically unheard of for student category credit cards.
What Does the Interest Rate Look Like for this Student Credit Card?
The interest rates are not too bad for the Citi® Dividend Platinum Select® Visa Card for College Students. For regular purchases charged to the card, the rate is right in line with most student credit cards, albeit quite high when compared to premium platinum cards often extended to those with higher incomes and excellent credit ratings.
This card shines the most when using it to transfer balances from higher balance credit cards, offering a zero percent six month introductory rate on the transfers and also having no balance transfer fee. Needless to say, the best regular platinum cards offer all the way up to 15 months with no interest. However, for a student card, 6 months suffices.
For the most responsible of the crowd, the 6 months interest free period on purchases might be a pertinent benefit. But for many college students, this only ends up being a trap. The 6 months goes by fast and any balances remaining at that time will be subject to high interest finance charges.
How Does This Credit Card Fare in the Long Run?
Undeniably, the Citi® Dividend Platinum Select® Visa Card for College Students does have several beneficial features. If the options are limited, this might be a reasonable credit card choice for college students. Otherwise, there are probably better choices out there for the financially savvy, offering even better rewards programs and benefits for those that make charges on a regular basis.
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Help answer the question about visa card
Can you start a paypal account with a prepaid visa card?I don't have a bank account or a credit card and i was wondering if i could start a paypal account with a prepaid visa from stores like walmart. You know the gift card things. Thanks for the help. First one to tell me gets the best answer.
Most prepaid cards do need activation and some may charge an activation fee. Activation is as simple as making a phone call (toll free number) or going online.
The ones that do not need activation are the off-the-shelf ones, that is, they do not have to be applied for and do not have card holder's name on it. You should be able to make purchases with these right away.
Make sure you understand the charges your card may incur. There's a brilliant comparison page for prepaid cards at tracenotes.com
Just use it like it is a regular Visa credit card. Choose Visa.
The only way you get a black card is by being so rich you don't really have to worry about money
Yes most banks you are only liable for the first 50.00 good thing you reported it. Better safe than sorry. I have left my card at a store by accident and even though it was turned in to lost and found I still reported it you never know who had it or if it was used.
The bank will just issue you a new card with a new number usually just takes a few weeks at the most for the new card.
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4500 1234 5878 9076
lol
It can take up to 48 hours or longer, especially on non-bank days like a Saturday or Sunday or holidays. But you should be able to know the balance since you started with $50, subtract what the total was on the other purchase (including tax and shipping) and there is your current balance. Unless you are wondering if it went through in which case you would have been directed to a screen that said your payment was not accepted or received an email to the same tune (or both).
Non so
dispiace se questo è difficile capire che ho usato un traduttore
Depends on how your credit history is, if you want a sure way of getting a visa credit card without to many inquires against your credit report, you can go for a Bank of America secured visa card, what this means you will give Bank of America a deposit and based on this amount you will get a spending limit on this card, there is no way to get turned down, best thing is it works no different from any other credit card, the deposit is just an assurance to them that incase you default that they have your money, this way you get to build your credit and at the same time do not have to apply for any cards with the risk of getting turned down and putting those inquires on your history, what will happen in the near future is that you will start receiving pre-approved cards on your own once you have a good payment history. I say start with a $250-$500 deposit, they insert it in a real crappy savings account but hey at least you know where your money is and it builds interest as well, well anyway I hope that helps, check out there website or call them for more info.
sarà il prossimo token IWBank?
Here's where some CC companies get you. All of them offer great rewards POTENTIAL. Sorry for the caps but it's important. The truth is you have to find out what the qualifying purchases are. The best ones are the cards you get points for paying your utility bill and gas. Most people have to buy gas and have utility payments why not use your card and get the points. Just save the money you normally do for those payments and send it to the CC.
Your best bet is to just hold on to it and use it for future purchases. Just use it for an everyday expense you would otherwise have paid cash for.
Trying to get cash back out of it will only incur more fees and that is not in your interest.
when I watch the video it seems to be in sync…
I did not make the video… I just uploaded it from a press release on the Visa Europe website.
that’s a kickass credit card
epassport is one good option, another one is Green Dot Visa which can be picked up at any CVS or Walgreens
You should resynchronize this video.
No offense but it sounds kinda stupid how he says helloy and zeroy.
Regarding the card, I am very glad to see that security improvement.
dats fake asz hell
I want that card.. It loooks cool.