Being a student means no excuse from large expenses. This is the reason why apply for a student credit card, which will suffice their emergency purposes. Parents therefore make sure that their teens are well-provided financially, even at the onset of their high-school years.

Many credit card companies target the students, which are part of the fast-growing segment population that are ready to spend money. Many of these companies offer great deals, at affordable rates - generally higher than normal credit cards.

If you want to apply for a student credit card for your son or daughter, you should ensure that you will go to a good company. Applications today are not difficult at all since most of these are held online. Nonetheless, you need to be responsible and watchful of scams.

Aside from scammers, you should also be wise with your choices, since your son or daughter may get tempted to use the card anytime they want to. It will be best to know the rules beforehand, such as: the cards must only be used for emergencies. Once this rule is broken, high premiums for everyday purchases will be the fine. Through this, your teens will be learning lessons as they will also develop self-control and good financial management with their own money.

As a parent, you should also be careful if your teens apply for a student credit card. You need to know this especially when they are not of legal age. It will be better to offer them good deals instead of letting them think that you don't trust them.

Credit Repair and Your Future

Credit repair will pay huge dividends. But like so many other things in life you better make sure the foundation is strong before you build the structure. Are your financial issues behind you? Are you able to keep up with your bills? Too many people take one step forward and slide two steps back. Before you get your credit repair effort underway make sure you are ready to move forward.

A Vision of the Future

The ideal financial life is one of balance. Money comes and money goes. Long term financial health requires an excess of income over expenditures. Picture a stress free life where you can pay your bills without a struggle. Imagine balancing your checkbook and having enough money left to make a contribution to your growing saving account. Wouldn't it be nice to be able to deal with unforeseen events without breaking the bank? Sounds great, right?

Get a Handle on Your Finances

You can have this life! You will marvel at the amount of creative energy that will come into your life. This is what you are capable of when the burden of financial worry has lifted from your shoulders. The first step to achieving a financially harmonious life is to get a handle on your finances. The perfect companion to any credit repair program is a budget. Are you ready? It's time to list every single expense you have and compare it with the amount of income you have coming in.

Get a Pen and Paper

Don't do this in your head. Take a little time. It's worth it and will insure that your credit repair project pays off. Write down every expense you have. Think of everything from rent to entertainment. Brainstorm a bit. Where does the money go? Examine your bank statements and your credit card bills to determine where you are spending money. If there are expenses that occur annually, like tuition, vacation, or auto maintenance, divide the number into twelve parts so that you can set aside sufficient reserves each month. How do the numbers look?

Credit Repair and Balancing the Numbers

If you have added up all of your expenses and still have a nice amount left over to contribute to a savings account you are in great shape. But many people get to the end of this exercise and discover that they are in a hole. If your expenses exceed your income you are headed for trouble and your credit repair effort will be in vain as the tides of financial strain erode your hard earned gains.

What to do if the Numbers Don't Work

No matter how you cut it, over time the numbers have to balance out. If your numbers don't balance you should consider making some adjustments. Some of these decisions are hard to make, but the long term gains can be fantastic and will far outweigh the short term sacrifices. What can you do without? What can you downsize? What can you refinance? Start with your biggest expenses and work your way down.

Credit Repair and the Power of Reality

Credit repair and peace of mind go hand in hand. It's all about balance. I've seen people choose to move to a smaller home to get their life on track. In every case they have reported increased happiness and a feeling of inner peace they never imagined. A big house and fancy car is nice, but only if it fits properly in your financial life. Many people in credit repair programs can attest to the fact that the stress of juggling money takes all the joy out of life. There is great joy in living within our means. A balanced life is the springboard to great personal riches. Today's humility is tomorrow's wealth.

Taking Something Out Just for You

When everything is in harmony the possibility of savings will appear automatically in your life. You will discover the feeling of personal power that comes from setting aside money every month and from watching your savings grow. Many people like to think of their monthly contribution to their savings account as a regular commitment, no less important than their rent or electric bill.

Credit Repair Help

In both the short term and the long, the quality of your credit will determine the amount of money you pay on all of the money you borrow. The effect of your credit on your budget can be dramatic. If you need help with your credit repair effort remember that there are capable professionals available to assist you. You do not have to go it alone. If you do not have the time to manage the task properly hire a credit repair professional. Good luck!

Copyright ? 2008 Ian Webber. All Content. All Rights Reserved.

With the competitive nature of the credit environment, more and more credit card companies offer zero per cent promotional credit cards to entice customers looking for cheap credit. Many companies have extended the length of their introductory 0% offers up to 15 months, in some cases. This allows consumers to enjoy a longer period of inexpensive borrowing with new card plans.

Zero per cent promotion credit card offers vary with their terms. It is important that consumers examine the details and fine print of offers before signing on with a card. Some offers are specifically for balance transfers, meaning the promotional rate applies only to balances transferred from other loan products. Other offers are for new purchases only, and are not applicable to transfers. The most competitive promotional card plans include promotional rates for both balance transfers and new purchases.

Consumers turn to these kinds of cards for a variety of reasons. Consumer borrowing and credit card balance levels continue to rise. Some borrowers look to promotional cards as a way to move balances from more expensive cards in order to reduce finance charges. Debt consolidation experts sometimes refer people to 0% credit cards as a way to consolidate debt from higher rate loans and credit card balances. Others simply enjoy the idea of buying now and paying later and consider that there is no interest charge for a period of time.

There are some limitations to most zero per cent interest promotions from credit card companies. Most cards that promote special rates for up to 12 months, or 15 months, reserve these longer periods of zero per cent rates for excellent borrowers. Borrowers with good or fair credit may still get a promotional rate, but the length of the promotion may be much less. Again, borrows need to be aware of the length of the offer before signing an agreement.

Finally, for zero per cent promotional cards to be effective, users need to understand all aspects of the offer. Some cards maintain the promotional rate on balances acquired during the promotional period. Others apply standard APRs to the remaining balance after the promotion is complete. Many companies also apply payments on balances to lower rates first. Thus, if a debtor has some balance at low rates and some at higher rates, the higher rates would be paid last. Additionally, many cards apply charges to balance transfers made as part of the promotion. Be aware of the full details of the promotion.

Michael writes for Card Sense where you can compare credit cards of all types, including 0% credit cards, cash back cards, and those featuring rewards programs.