Thursday, April 29, 2010

The Citi student credit card has always been a popular option for students. In the current economic climate, it's more popular than ever because credit cards are more popular than ever -- they have to be if students are going to survive their first year! So what do you need to know before you start making credit card applications?

All About Credit Cards

If you're not familiar with credit cards, the first thing you need to know is everything. It's essential to learn about these things before you have the chance to get into trouble. Your parents or other adults can be a great source of information, and so can websites like Credit Card Whiz Kid, which carry a wide variety of credit card info for all experience levels.

Student cards and the Citi student credit card

The first thing you need to realize: credit cards are getting harder to get, especially for students. New laws and regulations designed to limit student credit card mean that not just anyone can waltz into a bank and leave with a $10,000 credit limit. In fact, many student credit card applications now require someone with an established credit history to back your application.

The Citi student credit card, on the other hand, offers you the chance to apply for a card without a co-signer. Moreover, the Citi card is simply a great credit card. It offers 0% liability on unauthorized charges -- in other words, if someone steals your identity -- and even has your photograph on the card so no one but you can use it.

Better still, the Citi student credit card can give you discounts on things like car rentals, offers cash back, and can protect you if you travel with things like insurance. It has no annual fee -- something you really want to watch out for -- and it's a trusted and well established name in the credit card industry.

There's no guarantee that you'll receive a card just because you make an application, of course. But if you're looking for a place to start out, the Citi student credit card is one of the best available.

For more tips on student credit cards, saving money and avoiding getting taken, check out CreditCardWhizKid.com, a website that specializes in providing credit card tips, advice and resources.