Q:  Why apply for credit online?
A:  Applying for credit online gives you the ultimate flexibility and choice in selecting the right credit card for your needs. StudentCredit.com does not favor one card over another, ultimately giving you the freedom to choose from all the major credit cards and select the right card for your needs… and all at one location online: StudentCredit.com. Take the process seriously and conveniently apply online when you are ready, rather than filling out applications on campus just to get the free 2-liter bottle of soda.

Q:  Who sees my credit application?
A:  Only the banks you choose to apply with see your individual information. They use this information to determine if and how much credit they will extend to you.

Q:  Is the process of applying online secure?
A:  The application process is totally secure to the student. Certain security features have been made to insure information goes to where it was meant to go. We use a SECURE SERVER, so all your information is seen ONLY by you and the credit card company.

Q:  Can I apply for more then one credit card company?  
A:  Yes, you can. There are no restrictions to what credit card companies you can apply to or how many. When establishing credit it may be smart to apply for more then one card, however we recommend you do not apply for more than 3 cards at the same time.

Q:  How can I help others apply?
A:  Tell your friends about StudentCredit.com. StudentCredit.com is dedicated to promoting only student credit cards and making the application fast, safe, and easy for the student. We also want to promote good credit management. By spreading the word about StudentCredit.com, you’re essentially helping others to select the right credit card for their needs and be responsible by studying our good credit management section.

Q:  How can I learn more about good credit management?
A:  A good start would be to review our good credit management section. There is a wealth or information there to help you learn more about credit and get you on the right track to responsible credit use.

Q:  Does it cost anything to apply?
A:  It costs absolutely nothing to apply for a credit card on   StudentCredit.com.  The application process is FREE.

Q: What is an APR?
A:  It's the Annual Percentage Rate (APR) or the percentage (expressed as an annual amount) that will be applied to your account to determine the dollar amount in interest you will pay. The lower your APR, the less you pay in interest.

Q:  Can I avoid finance charges?
A:  Yes. Just pay your balance in full and make sure it arrives before the due date. It's that simple.

Q:  I received a late fee on my statement. Why?
A:  Every bill you receive lists a Due Date. This is the latest date by which your payment should be received, not mailed. To ensure it arrives on time and to avoid the late payment fee, we recommend mailing your payment at least a full week prior to the Due Date.

Q:  Can I pay my credit card in advance then skip the next monthly payment?
A:  No. However, paying more than the current minimum amount due will reduce your balance.

Q:  Why is my account over the credit limit when I haven’t charged over the limit?
A:  Finance charges. Late payment fees and other extra charges can and will increase your balance due.

Q:  How many days after the due date am I considered late?
A:  One day is considered late. To avoid a late payment fee, mail your payment at least one week before the due date listed on your billing statement.

Q:  Is there a special deferred payment program for college students to get payment extensions?
A:  Your credit card account is not like a student loan. You must pay as you use the card based on the term agreement.

Q:  What is a credit card fee?
A:  It's an amount charged to your account if you don't pay your bills on time, you're over your limit or you have insufficient funds. (This is not to be confused with an "annual membership fee"). Many cards don’t have annual membership fees.

Q:  Can I wait to pay off the credit card account 
when I graduate?
A:  Again, your credit account is not a student loan. You must pay it off as you use your card. So your credit record will be looking good when you reach graduation day.

There may be some questions you have that are not listed here. We welcome you to learn more by looking over our good credit management section. This section is more complete and offers valuable information about credit and how to avoid common mistakes.