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	Features	Apply 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.

Apply online Discover Credit Cards

Discover Credit Cards offer 2015 - Search , Compare an Apply online

I will be reviewing all Discover credit card offers 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 doesn't read or is so fine written that consumer looses the appetite to read document fully.

Discover Credit Cards for 2015

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Discover Credit Cards	Features	Apply Online
	Earn 5% cash back in categories that change throughout the year, like gas, restaurants and more, up to the quarterly maximum. Gas & Ground Transportation - Jan - Mar 2015 Food & Fun - Apr - Jun 2015 Summer spruce Up & More - Jul - Sep 2015 Holiday Shopping Oct - Dec 2015 Earn 1% cash back automatically on all other purchases you make, with no limits.   Redeem any reward any time. $1 Cash back = $1. Use rewards to pay for your purchases Discover provides free credit score along with your monthly statement. Good Fraud protection Program Good customer support service for US consumers. Rate Terms & Conditions APR for purchases - 0% intro APR for 14 months from date of account opening After the intro APR expires, new APR will be anything between 10.99% to 22.99%. The new rate is based upon creditworthiness. This APR will vary with the market based on the Prime Rate. Balance Transfer APR - 0% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by March 10, 2015. After the intro APR expires, new APR will be anything between 10.99% to 22.99%. The new rate is based upon creditworthiness. This APR will vary with the market based on the Prime Rate. Cash Advance APR - 24.99 Penalty APR when it applies - NONE Avoid paying Interest - Pay your minimum due or bill payment prior to due date avoid the interest charges. Read more on Terms & Conditions	Apply Now! on Discover secure line to get Discover rewards card

More on Discover card benefits

The discover card comes with good fraud protection program and 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 5%, 1% cash backs on selected calendar events and regular purchases the reward point can be maximized by shopping on discover partner network. Another benefit to use Discover card is to use rewards point to shop at Amazon network.


The last thing I want to add is to educate yourself on creditworthiness, it is important to understand and know your credit score. your credit score is gateway to get a good credit cards. If you know your credit score then you know what type of credit cards you should look for. Now you know the details about Discover reward card, read, compare, and apply online securely.

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Credit Karma Review - How to get free Credit Score and free Credit Report

Well, let me be honest, I had never heard of getting free credit score or free credit report other than getting a free credit report from Annualcreditreport.com, which is a consortium of three credit bureaus. In order to give fair review I wanted to try myself as a customer and check facts about their free credit score ad free credit report.

The Credit Karma's enrollment is three step process. In first step customer is asked to enter login credentials, which completes the account creation process. In second step you enter full details such as name, address, phone and last 4 of your social security number. Finally in last step you confirm your identity and access to your credit score and credit report is immediately available for viewing.

Credit Karma three step enrollment screen

Now if you are following my blog post, you will notice that I have not been asked so far to enter my credit card number. This proves Credit Karma does provide free credit score and free credit report to their customers. Now the question is which credit score, and what credit report they provide to customers?




Now it turns out Credit Karma is in business partnership with Transunion one of three credit bureaus to provide credit score and the consumer files for customers. In essence whatever is reported on Transunion credit file will be shared with you and the credit score awarded is also shared with customers.








once I had access to my account, I could see credit score and credit report with details on my personal information, credit card account details and the loans I had taken in past. Credit Karma along with free Transunion credit score also provides the addition scores such as Vintage score, Auto insurance score, and Home insurance score. Out of these scores Vintage score is new scoring model used by three credit bureaus for consistency and accuracy and rest two scoring models are industry specific.


Not only there credit report and credit score is free but also you get access to report for indefinite period. Now the question is how do Credit Karma make money by giving free credit report and credit score to customers. They make money from the commission they receive form third party companies, business partners who offer legal, debt consolidation, loans and other financial services to their customers.


Overall I consider this as good thing to happen for consumers. First they are getting free credit score, free credit report from Credit Karma. Secondly they don't have to pay them for accessing credit report. In addition to this customers have access to their knowledge repository and credit help line. After reading reviews on there site I was satisfied and was sure this is a definitely a legitimate business and has come up out if the box idea to help and educate consumers on credit, lending, and credit management ways.

CreditKarma Credit Card Review 2015

Creditkarma Credit card Review

The reviews I am doing for keywords are Credit Cards, Credit Repair, Credit Score and Credit Reports. For all of these keywords I am going to review each company which comes in first 10 searches of Google. The reason I want to focus on these companies is those are the web kinks consumers will click most. Let's be true to our self, how many times do web users go to page 5, 9, 11, 21 on Google for any search term. We expect Google to be God and present our answers in first 10 search results.

Keeping that in mind I will focus on first 10 search results for the keywords I just mentioned. Let's go keyword by Keyword. On first keyword "credit cards" under search results I get few US banks, which I will ignore as they have been already reviewed hundreds of times. My special interest is in for two companies which are Creditcards.com at first position and Creditkarma.com at 7th position. Keep it in mind these Google search results are only for North America and more so for America. Google does use localization to every user search by using geo location and preferences.

Creditkarma.com - Review for Consumer services, Credit Cards, Credit Score, Credit Reports and company facts

I want to start with the review of Company facts and the leadership involved in leading Creditkarma.com and then moving on to product and services it provides to consumers. How they handle customer services and on web how are there customers writing reviews about them.

Creditkarma.com - Company history and fact sheet

Company history and fact sheet.

CreditKarma.com - Company history, business partners and leadership involved
Type	Description
Origin (Founded)	Startup year 1998
Industry	Financial software, Financial consumer service
Company status	Private
Headquarters(Address)	760 Market St, San Francisco, California
Product & Services	Credit Cards, Credit Score, Credit Reports(Compare, Deals, Reviews, and Credit Advise)
Investors	Google Capital, Tiger Global Management and Susquehanna Growth Equity
Funding	Angel Funding - $500k - Oct 15th, 2008 Series A Funding - 2.4 Million - Nov4th 2009 [FF AngelLLC, QED Investors, SV Angel, Founders Fund, Felicis Ventures Series B Funding - 30 Million - Apr2 2013 [500 Startups, Susquehanna Growth Equity, Ribbit Capital, Felicis Ventures Series C Funding - 85 Million - Mar 12th 2014 [Google Capital, Tiger Global Management, Susquehanna Growth Equity, Ribbit Capital Series D Funding - 75 Million - Sep 29th 2014 [Susquehanna Growth Equity, Tiger Global Management, Google Capital
Leadership	Kenneth Lin (Founder and CEO)
Website	CreditKarma.com
Press Releases	Important Press Releases

Credit Karma Credit Cards by Credit Score range

Source: Creditkarma.com

What I liked about Credit Karma site is the easy navigation to find product and services and very open about the credit partner offers. Reviewing Credit Cards product service I found the opening page provides credit cards listed by Credit scores. The Credit Score tab is divided into five categories starting from new credit, poor credit, fair credit, good credit to excellent credit. I think this is really good format to list credit cards as consumers will be aware of their credit score and why and how credit card companies classify consumers creditworthy by credit score.

The best part is the reviews for each card is integrated alongside with offer. This is social media stuff. You have real people after applying for respective credit cards writing honest reviews. I must compliment Credit karma for using review feature to provide real facts and reviews form actual users as guiding factor and building confidence in consumers.

The design layout and navigation focused on credit score lets users to correctly choose the right credit card for their needs, read reviews and get educated, ability to compare the cards and apply online securely makes it best place to shop for the credit cards.

Reviews on Credit karma by actual card users

The smart move to have reviews from card users right side by side with card compare option is to great way to educate users and raise their confidence level for creditkarma.com. This is very balance, fair and transparent option to have user see everything and make knowledgeable decision when choosing a credit card.

The navigation between Credit score to right credit card and from there to either get information on CARD benefits/terms and finally to card reviews is seamlessly done for the benefit of consumers.

Source: www.bbb.org

Credit Karma Better Business Bureau Rating (BBB)

After looking at CreditKarma information on BBB page I found company has received B rating from them. I also looked at summary page giving stats on complaints, resolution and reviews received on creditkarma.com. The snapshot from BBB website is as of Dec, 17th, 2014. There is evidence which suggest the company is serious about the complaints it is getting from customers. However under 'help center' I couldn't see a option to contact live customer support rep or live chat option. This is something Creditkarma can create for their customers and consumers looking for help.

Next Blog post:- Read Credit score and Credit Report service from Creditkarma.com

Source: Creditkarma.com [images are directly taken from credit karma website.]