AvmanM89

Too many students get turned down for this card, so to call it a STUDENT CARD is clearly an exaggeration. All it does is lower credit scores of 18-22 year old with short credit histories and moderate scores.

@CK Moderator: I do have a PayPal Buyer Credit account, and purchases to that and regular payments will post to my credit account (I presume). Also, once my college loans (Stafford) enter repayment, that should help me build credit as well without requiring credit cards with high interest rates and annual fees.

4.25 credit cards per student? What does a 20 year old need even 2 cards for? I am a college student without a credit card and I get by just fine. Another example of the "gotta have it" consumerism of the US ruining people's lives as they get deeper and deeper in debt (this before even graduating and getting a full-time job).

I applied for this card on www.creditcards.com and was told I had been approved, but also to contact a Customer Service rep at a 1-800 number. When I called I was told I was not approved.

The description for the card on that website said "no credit history needed", and even though I had a short credit history with a 100% on-time payment record on my PayPal Buyer Credit account, and a decent enough credit score of 666, I was still denied. I wonder what type of student can actually afford this card? Do they expect full-time college sophomores to make $2500 a month? Or is this offered only to WASPs with parents rich enough to pay for their children's reckless spending? And what college student doesn't have some student loan debt? By my calculations, my Stafford loans will add up to about 12-15K when I graduate, and the monthly repayment will be around $125. Does this qualify as "excessive debt"? I would think graduating from a Top 30 National University (by US News ratings) would land me a good enough job to pay that off.

The whole business with credit scores and credit cards are a sham designed to maintain the status quo. My family emigrated to the US in 2007 and has never missed payments on rents and utilities, never been in debt and my father and I pay taxes, but we still cannot get approved for the vast majority of credit cards and even for services like cable TV (Verizon, Time Warner and DISH Network all turned us down in the past).