Cheryl Winokur-Munk
speaker
1,406 appearances
26 recordings
2 series
first heard Apr 2019
last heard Jun 2025
Cheryl Winokur-Munk’s voice in public audio — every appearance, attributed to the second.
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Appearances
You may have to give bank statements, and the credit card companies may ask you for a note from your employer in some cases.
The important thing is to have the income on your own that you've earned from a full-time job, part-time job, or like I said, even babysitting or odd jobs around the neighborhood.
Credit card companies have these cards that are specifically designed for students, and they're often meant for people with very little income, and some are good for those who don't even have a credit history.
It's going to depend on the card.
Some cards, even though they're for students, want you to have a credit history, and some are a little bit more lenient than that.
There's also a different type of card called a secured card, and that allows you to put on a certain amount.
It's often in the $200 to $500 range for students, and that's the amount you can spend.
So if you have a secured card for $200, you can only spend up to $200 per cycle, and that can help prepare you for what's called an unsecured card, which is what you think of when you get a traditional credit card.
A newer offering is a debit card that has a credit building ability.
It functions just like a debit card, so you can't overspend, but your spending history gets reported to the major credit bureaus.
With a secured card, you may be able to get some perks and rewards such as cash back, though you're probably likely to get more perks if you have an unsecured card.
Well, you're not going to have as high a spending limit on a secured card.
So, for example, if you want to buy books for college using that card, books can run well over the $200 to $500 range if you have a lot of books.
I mean, now students aren't buying as many books, but even so, it's a smaller limit than if you had an unsecured card, which you may be able to get $1,000, $2,000, even a $3,500 limit.
You're really going to want to make sure you have a card with no foreign transaction fees.
Often foreign transaction fees are 3% of every transaction, and that really, really adds up.
There are plenty of cards that are available to young people that don't have foreign transaction fees.
You just have to specifically look for that.
Now, if you're taking a gap year before you enter college, you may not actually be eligible for a student card.
It depends because some of the cards meant for students actually want to show you're enrolled in a university or a community college or something like that.
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