tawawpub.com

By Tom Tessin

The concept of having a Citi Forward Card for College is to give students a chance to have their own credit card, established a new and good credit history, which can be used in their future employment and of course, help them with their school needs. Students are required to pay their bills on time if possible to have a good credit score.

The Citi Forward Card for College Students is a standard Visa card issued by Citibank for college students giving them a wide array of rewards classified by points and is among the popular credit card offers now in the U.S. Most students like this type of card since it has many advantages:

Students can apply and sign up without any consignee as long as they have a good credit score.

No need for them to pay annual fees (this is just a waste of money).

Within the first 7 months, they have 0% APR on all purchased items and after 7 months the APR rate would only be between 12.99%19.99% but please make sure you are paying your bills on time to avoid higher APR.

If qualified, students can transfer their balance to another credit card without paying interest on what she owed for the first 12 months.

Students who are paying on time, do not exceed to their credit limits in 3 months is entitled for 2% APR reduction. They just need to use their cards responsibly since the APR reduction is eligible for up to 8 times.

This card has many types of rewards for students who are paying their bills on time and are using cards correctly. It has reward points that can be earned in many ways. Students can even earn up to 100% every month.

Reward points can be converted into gift certificates to many stores and restaurants, movie tickets or even merchandise and travel.

Lastly, for students who do not have enough money, they just need to pay their bills on time so they can avail a very low interest rate, which is really indeed a big help for them.

What students like mostly about this card are the reward points, which really give them many things to acquire. They just have to be careful on using their credit limits within 3 months, pay their bills on time and they will continuously be earning many rewards up to 5 years (expiration of points would be up to 5 years). Citi Forward Card for College Students is really a good choice for students helping them established a good credit history for future employments.

Keep in mind that these terms and conditions can change. This is only accurate as of February 2011. While this is a great student card, there are many more out there that you may want to look into. Citi also has a great line of other cards that you may want to look into as well that cater to not only students, but those that are looking for their first card. So before you apply for this card, you may want to go out and search others as well!

About the Author: Want to get more information on the Citi Forward? Find out more information all at FindCollegeCards.

Source: isnare.com

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