Diff. between student credit card and the secured one?

Can someone tell me about the difference between the two credit cards - student card and the secured one?


Student credit card is for college students who have no credit history and is different from other cards. You can apply online for a good student credit card. Secured credit card is an approved credit card which require checking account of yours in that bank and it will issue you the credit card for the same amount you had deposited. You will receive a monthly bank statement which you have to pay each month in time with some interest rate and annual fee else you have to pay late fees as extra or you can pay in full balance. Try to learn some good financial habits so that you not have to suffer in case of missed payments. Better will not having a credit card but always pay in cash or use debit card.


Student credit cards are the unsecured credit card for those having no or bad credit history. Secured credit card is also good for those having bad credit score and help in avoiding high fees and it mainly helps you to rebuild your credit history. Try to pay your bills in time and before applying for the credit card read the fine print carefully and choose the credit card that suits your spendings.


I suggest you to apply for the student credit card if you are a student and have no credit history, it will helps you lot in building your credit score. Remember to pay all the bills in time.