If you're a US Bank employee who is thinking about applying for a MasterCard or Visa card but is still in an undergraduate degree program, one of the obstacles you may face is whether or not you can be accepted for an unsecured card. Often students are asked to wait until after graduating from college before they can apply for an unsecured credit card. While waiting for your MasterCard or Visa card to become available, it's important to know how much interest you will pay on your balance. This information will also help you decide whether an unsecured card is right for you.
One option for a student who would like an unsecured credit card is the MasterCard or Visa MasterCard that is offered by US Bank. This card allows graduates with all of their required classes to receive their rewards. The US Bank card is good at anywhere from five thousand dollars to fifteen thousand dollars in reward points. Many students find that having the MasterCard makes the purchase process easier because it is linked directly to their Card.
Another option for a US Bank customer is the MasterCard or Visa MasterCard that is offered by Chase. This card is good at any participating Chase stores. It does not have to be committed and does not require a deposit. The US Bank card is also good at any of the participating Chase outlets. This card does require a security deposit which is refunded upon the graduation of the consumer from their credit program.
An alternative to these two cards that US Bank offers its customers is the MasterCard Plus that is offered through American Express. The American Express credit card allows its customers to obtain rewards for spending on a designated level of merchandise. It is similar to the MasterCard or Visa and allows students the opportunity to receive cash back, gift certificates, and airline miles when shopping using the card.
Another point to consider is that many banks only offer these cards to graduating students who have been accepted to a full six-year college program. Most students have at least one year of college experience, and if they do not have a bachelor degree they will not qualify. The main benefits to these types of credit cards is the reward structure and the amount of money available. They are easy to obtain and make shopping online and off campus very convenient.
The other option, and maybe the best choice, are the MasterCard or Visa Graduate to Unsecured card provided by US Bank. This card allows you to obtain a standard credit card with regular payments that are made directly onto your bank account. In this scenario you are not committing to receive a monthly credit line. This means that if you have financial problems or need additional money right away, you do not have to wait to get a card from US Bank. Plus, this option provides you with the ability to apply for the card online. This gives you the chance to review and respond to offers from multiple credit card companies, whereas the Graduate to Unsecured option only allows you to apply for one.
In order to qualify for a Graduate to Unsecured card you will need to have a decent credit history. If you have not established a good credit history you will want to look at a number of options. You may have to settle for a lower credit limit. You will also want to make sure that you cancel your old lines of credit before applying for the new US Bank secured credit card. This will ensure that there are no past debts showing on your credit report.
Being able to open an account at a bank that you can trust can be very advantageous. Plus you can easily manage money each month with a dedicated account. Students who qualify for the US Bank secured credit card must agree to and sign an electronic spending plan. This spending plan should be used wisely. It is important to know how much you are spending each month on things such as food, gasoline, entertainment, and anything else that does not have any type of membership fees associated with it such as movie tickets. The US Bank secured credit card is an excellent way for students to build a reliable credit score while they learn how to manage their finances.
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