Credit Card Application

Credit Card Application for Students

One of the first things students encounter is the need to have a credit card to pay for books, food, tution and other expenses.  It is also very important for students to have a credit card in order to build a creidt so that they can buy a car and home after graduations.  In the past, it was very easy for students to access a credit card application because credit card companies would visit college campuses and offer free gifts if students apply for a credit card.  This resulted into students owning too many credit cards and becoming victims of overspending.  The recent government regulations now prohibit credit card companies to offer free gifts.  Regardless, a responsible student would still like to have a credit card.   

How to Get A Credit Card Application

Credit card applicaitons are available to student through various channels:

What information is required to fill out a Credit Card Application

In order to apply for a credit card a student name must provide the following information:

  • Social Security Number
  • First and Last Name
  • Maiden Name if married
  • Previous Names
  • Addresses
  • Employment History

If a student doesn't have a job and employment history s/he may be required to have a parent co-sign the application.

How a student credit card application is processed

The credit card companies look a the following:

  • Credit score
  • Income
  • Employment 
  • Debt to Income ration to determine credit card limit