The Best Student Credit Cards for all UK Graduates and Under Graduates.

Credit Card companies are very keen to offer Student Credit Cards to the vast number of graduates and under graduates in the UK. Their view is that they need to take a slice of this large growing credit market. There are a lot of Students in the UK that are heavily in debt so don’t be conned by some of the benefits that are used in the advertising to get you to apply for these credit cards. Students are vulnerable as everyone needs a credit card to get by nowadays however in most cases students do not have the disposable income to maintain these cards.

It’s important to establish a good credit history as this reflects your financial “reputation”. Credit Cards  aimed at Students will come with many attractive offers so don’t be swayed by this alone, read the fine print and ensure that you are getting the best deal that suits you.  

These credit cards will come with certain restrictions such as a shorter period for introductory rates such as 0% APR on purchases for the first 3 months. You will also find the credit limits are much lower; however as you build a good credit score you will find this limit will be extended over time based on regular reviews by your credit card company. 

Some Credit cards will offer students cash advances or withdrawals so make sure you know what rate you will be charged as this will tend to be higher than the advertised APR. You may well find that any grace period on purchases will fall away if you use this facility. 

Points to consider when applying for a Student Credit Card: 

	Is there an annual fee
	What is the APR and is there an introductory rate
	Does it offer any cash back rewards.
	Do you get Travel Insurance
	Do you get any store discounts
	Is there a grace period on purchases.

Best Buy Student Credit Cards:

Natwest Credit Card