Saturday, December 20, 2014

discover credit cards for students - 2015

Discover Students Credit Cards - 2015

In this post I will be reviewing Discover student credit card "chrome for students" for the year 2015. My review is focused on low interest rate , balance transfer and other incentive programs such as earning points, cash back and reward programs. I also will be focusing on fine prints which consumers don't read or is so fine written that consumer don't show interest in reading it fully.

Get the card for college - Discover it® chrome for Students

Discover Student Credit Card  FeaturesApply Online
  • 2% cash back - Double your rewards at gas stations and restaurants with 2% cash back on up to $1,000 in combined purchases each quarter.
  • 1% Cash back - Get non stop cash back every time you use your card. Earn 1% cash back on all other credit card purchases.
  • Redeem any amount, any time - Redeem your cash back as a statement credit, a deposit to your bank account4 or pay at Amazon.com5.
  • Free FICO score - On your monthly statement and viewing option online. (Note: Your lenders or creditors view FICO score to evaluate your creditworthiness.)
  • Fraud detection and 7/24 monitoring - Your card is monitored 7/24 for unauthorized charges and you are not hold accountable for unauthorized charges.
  • Online account access - Access account from any location. Update your location if travelling outside of country.
  • Interest rate Charges
    • Annual Percentage Rate (APR) for purchase - 0% intro APR for 6 months from date of account opening
    • APR for Balance Transfers- 10.99% intro APR for 6 months from date of first transfer. After the initial APR expires the new APR will be between 12.99% to 21.99%, based on your creditworthiness.
    • APR for Cash Advances- 24.99
    • Penalty APR and When It Applies- None
  • Fees
    • Annual Fees - None
    • Transaction (Balance Transfer) - 3% on each transfer.
    • Transaction (Cash Advance) - Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Penalty
    • Late Payment - First time no penalty, after that $35 for each late payment.
    • Returned Payment - $35 for each returned payment
  • Good Fraud protection Program
  • Good customer support service for US consumers.
  • Avoid paying Interest - Pay your minimum due or bill payment prior to due date and avoid the interest charges.
Read more on Terms & Conditions
Apply Now!

on Discover secure line

to get Discover Student credit card

More on Discover Student Credit Card benefits

The discover Student Credit Card comes with good fraud protection program and fraud monitoring system. If your card is lost or stolen the new card will be shipped through overnight system. You are also not responsible for the fraud charges put on your card. Apart from 2%, 1% cash backs on Gas and Restaurants and regular purchases the reward point can be maximized by shopping Amazon network.

The last thing I want to add is to educate student community on creditworthiness, it is important to understand and know your credit score. Also important is to manage your credit. Your today's action will shape your creditworthiness for future. Building your credit is step by step process, start managing your Discover credit card by paying on time and using part of credit available will ensure your credit score rises and you start getting excellent credit offers. Now you know the details about Discover Student Credit Card , search, compare, and apply online securely.

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