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Frequently Asked Questions

  • What is a student credit card?

    Student credit cards are primarily marketed to school users who do not have a credit card of their own name. They can be a good way to solve the problem of "no credit history and no credit card".

    Student credit cards allow you to borrow a certain amount of money each month. You can then choose to pay off the balance in full over a period of time (interest expense) or at the end of each billing period.

    Student credit cards can help you get rewards and, in some cases, short-term interest-free financing. More importantly, the student credit card is the first step in establishing a good credit history, which is essential for getting a preferential interest rate on future loans, renting your own apartment and getting low insurance premiums. Some credit card issuers even offer special rewards to student cardholders who have achieved outstanding results in school.

  • How to complete a balance transfer

    When you respond to a balance transfer offer, you can indicate the account numbers you want to pay and how much you want to transfer.

    After you get approved for the balance transfer, the new credit card issuer will contact your creditors or billers on your behalf and pay them the amount you want to transfer. This processing maybe takes up to two weeks.

    If you have any payments due before that time, you have to make those payments by their due dates in order to avoid late fees.

About Cards-Offer

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why Cards-Offer born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
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