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06-Jul-2017 15:45

Use our syllabus below to narrow down your choices. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.This site may be compensated through the advertiser's affiliate programs.Low Interest and No Annual Fee Many credit card companies that offer deals with a zero percent introductory offer and zero annual fees.

An excellent strategy for your student is for him or her is to make small purchases and pay them off immediately, usually within a month.

First, small purchases keep the available credit higher, and that’s a positive mark on a credit report.

Second, making frequent payments to keep the balance at zero or just above zero shows that your student “pays as agreed” on his or her report.

Help your student set up a spending guideline that can be met each month.

The figure takes into account what type of expenses should be charged, how much money should be used toward credit card debt, if applicable, and, regardless of the credit limit, the most they should charge on the card each month in your view. Having a credit card for the first time can be a financial “buffer” for when they need a tank of gas to get home or a sack of groceries after they have spent their monthly budget.College life is the time for your son or daughter to establish freedom and individuality – and a time to start establishing a good credit profile.




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