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Credit Card Question

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If you're 18, but a student or something, and you don't have a regular income, is there any way you can get a credit card? Any bank that'll give you one? Read More
cackhandedchimp Avatar
8y, 5m agoPosted 8 years, 5 months ago
If you're 18, but a student or something, and you don't have a regular income, is there any way you can get a credit card? Any bank that'll give you one?
cackhandedchimp Avatar
8y, 5m agoPosted 8 years, 5 months ago
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Comments/page:
#1
Yes, many banks offer a student credit card. I got one with Barclays when I was a student. :)
#2
I loads of fun with my Barclays student credit card.

Those were the days :)
#3
Thanks for that. Can you get it before you're at university?
#4
cackhandedchimp
Thanks for that. Can you get it before you're at university?


As long as you can prove that you are a student in full time education then they should be fine with it. :) I had to show some documents to them just so they could copy them for their records, just to proove I was actually a student. :thumbsup:
#5
Just checking now, I think you need to open up a student current account in order to apply for the credit card. I heard Halifax were good...any thoughts on who's best?
#6
cackhandedchimp
Just checking now, I think you need to open up a student current account in order to apply for the credit card. I heard Halifax were good...any thoughts on who's best?


No idea, its been many years since I was a student..lol sorry.:)
#7
cackhandedchimp
Just checking now, I think you need to open up a student current account in order to apply for the credit card. I heard Halifax were good...any thoughts on who's best?

Lots of folk at my uni went with RBS but I thought Lloyds Tsb were loads better!! They've been my bank for 11 years now. That was like 3 yrs ago when everyone was changin to student accounts. And look at RBS now.... ;-)
#8
Don't! If you can manage without one then you should. If you're not completely disciplined you can end up in trouble. Really. Try and avoid if you can.:thumbsup:
#9
avoid halifax/hbos at all costs they are terrible, try nationwide or the co-op
#10
Deadly mistake. I hate paying my credit card bills :x
#11
It's too tempting to only make minimum payments and you'll just slowly build a massive debt.
#12
Credit cards are great tools if you use them properly, mainly paying total spending each month. They have a far superior insurance facility compared to debit cards or cheques, and if you get one with a cash back plan or other such benefit, you will receive a slight (1-5% depending on the issuer) payment on total.
#13
Most banks should offer a student account - I have one, and they gave me a credit card even though I didn't want it lol...

Started using it recently though since a trip to New York, wanted to have it as security. Now I use it quite frequently, since it is more secure to use than a debit card (For online transactions etc). As long as you pay off your bills in time (I transfer the money in as soon as it gets debited) You'll be fine - Use it much like a debit card - Only spend what you can afford!

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