Credit Cards 4 Now
The finance site for young people.
Welcome to creditcards4now.co.uk - the finance site for young people.
Many finance sites are aimed at people who have a lot of money to invest, but what about when you are starting out?
Anyone who has been a student knows what a nightmare it is juggling money, and once you have graduated it doesn't get any easier. Here are some finance options to consider: Prepaid Cards, Student Credit Cards, Credit Cards, Poor Rating Credit Cards and even Credit Card Claims Services.
Navigate your way around the site and see what financial options are suitable for you.
Student Credit Cards
Being a student means dedicating a significant amount of time to study – earning a regular income can be tricky as a job is hard to juggle alongside university commitments. Getting credit is especially difficult as students are often labelled "risky" borrowers, but there are credit cards designed especially for students. Student credit cards generally have a low credit limit so that you will not be able to get into too much debt.
That said, it might be best to use your student credit card sparingly, for emergency costs, as relying too much on credit now could bear consequences on your credit rating later in life. Compare the Representative APR rate and any introductory offers using the table below. Once you have made your choice, simply click on "More Info".
| Company | Issuer | REPRESENTATIVE APR | Credit Limit | Rebuild Credit | Chip & Pin | Cash Back | Balance Transfer | New Purchase | More Info |
RBS Student Credit Card
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16.9% | £500 | No | Yes | No | No Balance Transfers. | Standard Purchase Period. |
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| The Royal Bank of Scotland have thought about all aspects of your needs as a student and created the perfect starter credit card for you. It has never been easier to keep on top of your spending with a maximum initial credit limit of £500 and an easy payment system via direct debit so that you never miss a payment. You can even get up to £250 cash advance a day from cash machines all over the world. Apply online and start benefitting today. Representative Example: Representative 16.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 16.95% p.a. (variable). | |||||||||
Natwest Student Credit Card
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16.9% | £500 | No | Yes | No | No Balance Transfers. | Standard Purchase Period. |
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| If you are looking to acquire your first credit card and you are still a student, then look no further than Natwest’s Student Credit Card. It is designed especially to suit your current needs. There is no worry of over spending with the £500 maximum credit limit feature and with some great discounts available on top notch brands. With 56 days’ interest free credit on purchases, this card is the bottom line in student spending. Representative Example: Representative 16.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 16.95% p.a. (variable). | |||||||||