In university, credit card ads are every where. The primary sweeteners aren’t even low interest rates or other credit card related issues. Instead, the enticements for credit cards are free pizzas and burgers. This practice is quite prevalent in my campus. It is funny to think that university students of all people would fall into this trap. The reality is that a lot of students do get lured by free pizza offers, and for the sake of having a pizza, fill out credit card applications.

Even though this form is deplorable, I received my first credit card this way. We will talk about Chase Student Credit Card Review.

Chase offers college students a credit card called, Chase +1SM Student Master Card. Regard the Chase credit card, I don’t have much to complain, its an OK credit card.

When I got my credit card, I thought it would be 0% APR. After I received my first bill, I came to know that I was being charged an APR of 13.24%, which is too high. As I already made a wrong assumption regarding 0% interest, I started becoming careful when it came to finances. I would usually pay off my entire credit card, instead of adding more debt.

Karma points are one of the incentives of chase student credit cards. The karma points and other benefits chase promises through Karma points is quite pointless (at least from my experience). So, If you are thinking of applying to Chase Student Master Card with Karma points in mind, dismiss that incentive,  I seriously wouldn’t bother with Karma Points. The one thing I like about the credit card is the bill paying option, which is quite easy - I guess it is a lot easier given that I am active user of online banking. The billing interface, which is one of big plus points for me is simple and easy, no one should have any reason to complain for not being able to pay online. What’s even better is that you can link your credit card account with your existing chase bank account. If you are being a responsible student, and managing your finances properly, you should see your credit limit being raised. Now, I am seeing when my credit limit will increase.

To see your credit limit increase without asking for it is definitely a bonus. The reason is it helps in improving my fico credit score. I am not really interested in increasing my credit limit to spend more, but to rather to increase my credit score as it depends on Debt to Credit Ratio. The lower debt you have compared to your credit limit, the higher the chances of you increasing your credit score. A higher credit lmit is good for you credit score. Other ways in Paying For College And Saving Money.