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0 Apr Card Credit Student

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Byron Said:

Is there any way to take advantage of a 0% interest (12 mos) credit card to pay off student loan debt ($50k)?

We Answered:

What is the APR on your student loan? You might be better off trying to refinance with a fixed rate through a refinance institution instead of transferring it to a variable-rate credit card (no matter how good the teaser APR is).

In 12 months, what does the remainder of the balance default to, as far as APR? You need to read the fine print on the credit card application in order to find that out.

If you really wanted to take a chunk of your student loan off by putting it on a credit card, sit down and realistically figure out how much you can pay off in 12 months, then transfer THAT amount (no more) to the credit card at 0% APR. Then pay it.

Eduardo Said:

how high of credit card limit can be expected from a discover student credit card?

We Answered:

college student credit card is one that is offered by Discover. There is no annual fee required and there is 0% APR on purchases that are made in six months.

That is if you are still in college, the above credit cards could apply to you. However, if you are one of those who may have bad credit, fear not. The fact of the matter is that there is still a credit card that could help you get out of your current financial rut (and put you in another one – just kidding). Read more from: http://www.credit-card-gallery.com/Disco…

Lori Said:

is it smart to pay off student loans with a credit card?

We Answered:

That is one of the worst things you can do. Student loan rates are very low compared with consumer credit rates. Even if you have an introductory rate of 0%, the rate will go up and at that point, you have no way to convert that debt back to student loan debt. Also, student loans don't affect your credit score the way that credit card debt does. Don't do it.

Mitchell Said:

Credit Card for student. Says 0% APR first 6 months.?

We Answered:

Applying for a student credit card is one of the first steps towards building a credit history. Amidst growing confusion, students find it increasingly difficult to decide on the right type of credit card. Discover, one of the leading credit card issuers in USA, has introduced a new credit card for students. The Discover Open Road Card for Students – as it is called is one of the leading student cards in the market today. Let us take a look at the various aspects of this student credit card.

Benefits of the Discover Open Road Card for Students

Starting off with the benefits, the Discover Open Road Card for Students offers a 0% Interest on Purchases 6 months and is a good card to start building your credit history. The Discover Open Road Card for Students is a cashback reward card and promises a 5% cashback on gas and everyday auto maintenance purchases and upto 1% cashback on all other purchases. If you want to redeem your cashback as gift cards or e-certificates from Discover’s 80 cashback bonus partners, you can increase or even double the value of your cashback bonus. That means a $20 cashback is converted into $40 gift cards or e-certificates. Wow!

The other perks that come with the Discover Open Road Card for Students are a $0 fraud liability guarantee, easiest online account management options to manage your account from anywhere and no annual fee whatsoever. Read more from: http://www.credit-card-gallery.com/Disco…

Bruce Said:

Will defaulting on a private student loan cause my credit card apr rate to change to the default rate?

We Answered:

There are laws that cover this under the recently passed Credit Card Holders Bill of Rights. The new law will go into affect in Feb 2010. Some of the new rules go into affect 90 days after the bill was signed by the President.

BUT, prior to this bill being signed many banks changed the rate from fixed to variable. It was listed in the fine print in a notice sent along with your statement.

You can tell if your rate is variable as there will be the following (v) before the APR on your statement.

Rate increases: A cardholder’s annual percentage rate generally cannot be increased unless a written warning is provided 45 days in advance. No rate increase can take place until the account has been open a year. These provisions take effect 90 days after the bill is signed into law.

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