The Wells Fargo Cash Back Collegesm Card is ideal for many students. It can also be helpful when you need a few extra college credit hours. This is an account with the bank that gives you cash back on all of your purchases, no matter what those purchases are. The good news is that you will get paid the money back regardless of whether or not you made any purchases during the month that you applied for the card.
These cards are ideal for students because you can get some credit while in college. This is very helpful because students can use their cards to pay for groceries, rent, electricity, internet, etc. They don't have to worry about paying cash for all of these things. This is very helpful for students who need a little extra money every so often to make ends meet while they are in college.
You should check with your school about the Wells Fargo Cash Back Card you are interested in applying for. They will be able to tell you if the card is right for you and if you qualify for it. If you do qualify, you can then apply online for your card. There's no need to head to the bank. You can apply online with the click of a mouse.
Students will need to supply the information on their taxes, their current income, and other personal information to qualify for this card. There is also a limit on the cash back you can receive. It is based on how many credit hours you use the card for. You will probably see a cap that has around $500. There are limits on how much interest you can accrue and how much you can keep earning once you have paid off your balance. The student card offers a lower than average rate, which is better than most of the other offers out there.
Students who sign up for an extended credit plan through Wells Fargo will find that they have a grace period of two to five years to pay off the balance of their card before they have to start paying back the money. This is good news for students who need their cash now but do not want to take out a large loan. If you do have a lot of debt, however, this could be less than ideal. Many students will find that the grace period does not work to their advantage because they are used to being able to pay off their credit card debt in a much shorter period of time.
Students who have managed their credit cards well, however, may find that the Wells Fargo card offers them more flexibility. It offers the opportunity for them to transfer their balance between credit cards or allow them to earn cash bonuses on purchases made with the card. The bonus portion of the interest can be a welcome benefit as well. Some students get so frustrated with paying interest that they will try to transfer all of their debt onto one credit card and pay it off with the money. This can lead to financial difficulties.
The good news about the Wells Fargo cash back cards is that they are not hard to cancel once you have finished using them. If you go to your customer service desk at home and ask to cancel your card, you can. If you have trouble getting this option, there are other options that you can explore as well. For instance, you can contact the customer service center and ask them if you can transfer your balance to another introductory offer card while you pay back your existing balance on the Wells Fargo cash back college card. They will likely allow you to do this but will charge a cancellation fee.
Although the rewards associated with a Wells Fargo cash back college card can be worthwhile, they may not be worth the hassle of transferring all your balances onto one. In most cases, it is better to pay down the balances on these cards as soon as possible and use the savings to pay down the balance and free up more spending money. In addition, many students who have multiple cards and use them extensively are often better off paying off the debt and transferring their balances to one low interest card instead of spreading their money out over multiple cards. While it may not be necessary to transfer all your balances at once, doing so can help you avoid high fees when you do need to make a payment.
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