FAQs

Q. How do I apply for a card?
A. Since all our cards are college student based, all of the cards we currently offer links to are on the front page. You may sort through all of them since each card offers a particular reward, APR rate, etc.

Q. What information will I need to apply for a card?
A. Depending on the credit card companies website, you will most likely need your drivers license number, social security number, address, date of birth.

Q. How long does it take to get approved?
A. Depending on the card company, some applications can be instant but most of the time, you will have to wait 1-2 weeks to find out the decision. This decision will usually come through the mail.

Q. Are these application forms secure?
A. Yes, every application is through the credit companies website. Each website is secured with SSL technology. Only that particular company will have access to your application.


Q. Can I sign up for more than one credit card?
A. Yes, you may sign up for as many credit cards as you'd like, as long as their not the same application.

 

Q. What is the APR rate?
A. For every card you apply for, look at the chart below the credit card. Remember that an intro rate is only for a certain amount of time.

 

Q. What is the Annual Fee?
A. The annual fee is listed in the chart below the credit card. Most student credit cards don't have an annual fee.

 

Q. How long will I have to pay off the credit card?
A. Each credit card has a "grace period" These vary depending on the company. It can be anywhere from 15 days on.

 

Q. What rewards does my credit card have?
A. Please read the description of the card when applying for it. Many cards do have rewards. They vary from gas rewards to cash. Read the terms and conditions for the card when applying.

 

Q. What will my credit card limit be?
A. The credit limit will all depend on your credit history and income. This will vary depending on the credit card companies policies.

 

If you are unfamiliar with particular terms, please reference to our glossary.

 

To get the credit card companies contact information, follow the link below.

 

:: Credit and Your Consumer Rights ::

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
Credit Report Scores
Below is a chart of credit report scores. Credit report scores are important when it comes to applying for a credit card. To find out what your credit report score is, please click on the link below.
Great Credit
750-850
Good Credit
660-749
Fair Credit
620-659
Poor Credit
350-619
No Credit
0
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