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Advantages Of Applying Online
As a student looking for a credit card, everything is going to be foreign to you at first. Donít worry, it happens to all of us. The best thing about applying for a credit card online is that youíre able to read all of the terms and conditions before applying without having someone breathing down your neck while getting that free t-shirt.
By now, youíve probably noticed those pesky credit card tents set up on your campus. Itís quite simple, you sign up and the companies either supply you with a free lunch or an extra large t-shirt that youíll never wear. America likes free things and this is exactly why these types of systems work.
Letís look at the downfall of applying for a credit card for that free t-shirt. When applying, youíre not going to be able to know exactly what youíre applying for. Youíre going to feel rushed when filling out the form and sometimes, you wonít even know the APR rate, which is a bad thing.
The nice thing about applying online is that youíre able to have choice. Instead of having one credit card company pushing one credit card, you can target a specific group of credit cards. So if youíre looking for a student credit card, youíre able to find a website designed for that niche. From there, youíll be able to browse each and every card carrier such as MasterCard, VISA, etc.
The nice thing about applying online is that you actually have a choice. Youíre able to sit down, take your time and read what each credit card is about. Every credit card out there offers many rewards such as gas rewards, hotel rewards, and so much more. Just because youíre a student, this doesnít mean youíre going to get these rewards. Most of the times you wonít receive these rewards are if you have bad credit.
When you think of the kiosks, you canít really think of perk besides getting that t-shirt. Letís face it. Youíre not going to be able to read the terms and they always supply you with a t-shirt that doesnít even fit. So the question is, is it worth it in the end?
When applying for your first credit card, especially when youíre a student, itís very important that you do your research and find what youíre getting yourself into. Further down the road when you have established credit and you know what credit cards are all about then maybe that free towel or t-shirt wonít be a bad idea after all.
In the meantime, itís very important that you take the time to either do your research online or ask around your family and friends. This way youíll know exactly what your credit card is all about and youíll feel good in the long run knowing youíve applied for a card that will actually come to good use!
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