Being a student can mean high expenses and low income, due to the fact you will need to purchase text books and other study materials because you do not have the time to work. Most students will work during the spring or summer break, but that is not always enough to get you through the term. An easy way of getting help is to apply for a student credit card, this is not as hard as you may think, or as expensive.

There are a lot of attractive rates and payment terms out there so follow these guidelines:

1. Search for a suitable credit cards

You will not have to look far to find a company willing to give you your first credit card. They will either have set up a booth on campus or be at the click of a button on the internet. Make sure that you apply for a student credit card as these will have more attractive interest rates and benefits like discount cinema tickets. Make sure you compare the cards to find the one that best suits your lifestyle and needs. So if you like buying music then one that comes with discount vouchers is right for you.

2. Read the terms and conditions first

Make sure that you have read the terms first and checked the amount of interest you will be paying is very important. Things to check are what the rate of interest is, how many days you have until you will start accruing interest, and what the penalty fees are.

3. Making an application

You can apply online, over the phone or buy sending and application form through the post. All you will need to do is prove you are a student and give your personal details with some ID.

The average credit amount will be between $500 and $1000 for a student card which will be enough to see you through any hard times.