Articles by Bradley Carson on ArticleSnatch.com

Options For Those Needing A Bad Credit Credit Card

Mon, 11 Sep 2006 00:00:00 -0400

It's a fact that the credit card issuers are predisposed towards those with excellent credit. But let's face it, not everyone has superior credit. There are times when life has thrown in a few punches that can cause financial hardship that in turn damages your credit. If you're presently in this position, don't fret, there are bad credit credit card offers available. No credit rating at all or a bad mark on your report will not necessarily stop you from obtaining a credit card. There are many companies that will issue you a credit card when you have bad credit. Your options aren't as great as those with superior credit, but there are a number of choices you can look at. The first type of bad credit credit card available is the prepaid debit card or secured credit card. This is where you make a deposit at the financial institution and your line of credit is determined by the amount available in your account. The prepaid debit card looks and can be used like a regular credit card. When you apply for a secured credit card there is no credit check and no employer verification.** End Summary**

About the Author:
Bradley Carson is the webmaster and editor of Apply Online For A Credit Card at http://www.cards-king.com, a website established to provide concise information about credit cards. See Brad's latest recommendations of Bad Credit Credit Cards at http://www.cards-king.com/categories/bad_credit_credit_cards.

Charity Credit Card

Fri, 08 Sep 2006 00:00:00 -0400

Affinity credit cards are offers made to people with like interests and causes. When Bank of America acquired MBNA, they gained possession of an affinity marketing expert. Bank of America now has an assortment of charity credit card offers that donate to your designated cause each time you use your credit card. One of the longest standing affinity programs Bank of America has is with Ducks Unlimited. To date, Ducks Unlimited the leader in wetlands and waterfowl conservation, has received over $50 million in donations. The Ducks Unlimited World Points Mastercard has no annual fee and 0% APR for the first twelve billing cycles. Depending on your credit worthiness, the Ducks Unlimited World Points Mastercard has a regular interest rate as low as 7.9%. Another Bank of America charity credit card is the Anne Geddes Visa Platinum Card in which a percentage of each purchase you make with your credit card is contributed to the Anne Geddes Philanthropic Trust. This organization works toward the prevention of child abuse and neglect. This is also a no fee card and offers 1.9% APR for the first six billing cycles.** End Summary**

About the Author:
Bradley Carson is the webmaster and editor of Apply Online For a Credit Card at http://www.cards-king.com, a website created to bring concise credit card information and to introduce credit card offers from premier financial institutions. See Brad's current recommendations of Charity Credit Cards at http://www.cards-king.com/categories/charity.

Apply For Only The Best Small Business Credit Card

Sun, 03 Sep 2006 00:00:00 -0400

When you are a small business, you know how hard you work to please your customers. As a new company, you must go that extra mile to earn your client's trust and loyalty. Wouldn't it be good to know that there is a financial institution working just as hard to get you to apply for and use their small business credit card? American Express is that company. They may be 150 years old, but they haven't forgotten the struggles their founders encountered along the way. They've formed a team for small businesses, to help people just like you get your company financial situation on the right track. AMEX has a variety of small business credit card offers that have an assortment of options available that can assist you in running your everyday business. When you apply for an American Express Small Business Credit Card, you're not just getting an extension of credit, you'll be getting a whole team of people waiting and willing to help you with your financial needs. When you apply for an American Express Business Credit Card, you are given the options of 0% APR for the first twelve billing cycles.** End Summary**

About the Author:
Bradley Carson is the webmaster and editor of Apply Online For A Credit Card at http://www.cards-king.com, where he shares his financial expertise about credit cards. See Bradâs latest Small Business Credit Card offers at http://www.cards-king.com/categories/business_credit_cards and http://www.cards-king.com/issuers/american-express.

A Travel Credit Card Is Always In Season

Sun, 03 Sep 2006 00:00:00 -0400

It's never too late to be looking for a travel credit card that can help you save on that next out of town trip. If you are planning an off-season excursion, you still have time to find a new credit card that can earn you bonus points for air travel or offer you discounts at specific hotel chains and out of town restaurants. . The U.S. official travel season is summertime and although it may be coming to a close, more and more people are choosing to travel during other times of the year. Some like to see the fall foliage along the east coast as it turns those rustic autumn colors. Others like to visit south of the border when the weather is cooler and not as humid. Many families like to spend special holidays at exotic locations. The variety of credit card reward offers makes it necessary that you really do your homework when you're looking for a new travel credit card. If you're hoping to travel internationally, you want to be sure you choose a card that can be used world wide.** End Summary**

About the Author:
Bradley Carson is the editor and webmaster of Apply Online For A Credit Card at http://cards-king.com, where Brad shares his financial expertise about credit cards. See Brad's latest picks of Travel Reward Credit Card offers at http://www.cards-king.com/categories/rewards_credit_cards and http://www.cards-king.com/creditcard/american-express-rewards-green-card.

Save With A Gas Rebate Credit Card

Wed, 30 Aug 2006 00:00:00 -0400

It's on the news almost daily, another reason why gasoline prices are increasing further or a reporter telling you where you can find the lowest gas price in town. Rather than running all over looking for the lowest gas price, it would be easier to know youâre going to get a percentage of that purchase price back automatically. There are a number of gas rebate credit card offers available allowing discounts on your fuel purchase. Most of the major gasoline companies have their branded gas credit card, but that limits you as to what type of gas you can purchase. It's okay if that particular station is convenient for your daily travel, but what if you're out of town and need gas ASAP? A gas rebate credit card that's not specific to any particular type of gas would be more convenient for most people. A number of financial institutions have now created gas rebate rewards credit cards that can be used at any gas station. The Discover Card offer allows a 5% discount on your first $1200 in gas purchases each year and then a 1% discount thereafter.** End Summary**

About the Author:
Bradley Carson is the webmaster of Apply Online For A Credit Card at http://www.cards-king.com, an informational website about credit cards. See Brad's current list of Gas Rebate Credit Card offers at http://www.cards-king.com/categories/gas

Choosing A 0 Balance Transfer Credit Card

Wed, 30 Aug 2006 00:00:00 -0400

Many of us have been in this situation, two or three credit cards with balances and a high interest rate being charged monthly. If you can only pay the minimum due each month, you will never get ahead. The majority of your monthly payment is being eaten up by interest. There is a way out of this situation and that is with a 0 Balance Transfer Credit Card. A 0 Balance Transfer Credit Card is an offer that gives you an introductory 0% APR, usually for the first twelve months billing cycles and allows you to transfer the balance from high interest rate credit cards to your new account. With a plan and discipline, this allows you time to pay down your principal interest free. Like all consumer products, 0 Balance Transfer Credit Card offers are not altogether the same, so you really need to do your homework and compare the fine print of each card. You need to be certain that the card you finally decide on will give you exactly what you want and that's to pay down as much of your debt as possible during the introductory period.** End Summary**

About the Author:
Bradley Carson is the owner of Apply Online For a Credit Card at http://www.cards-king.com, a website created to bring concise credit card information and introduce offers from premier financial institutions. See Brad's current recommendations of 0% Balance Transfer Credit Cards at http://www.cards-king.com/categories/balance_transfer_credit_cards

Which Credit Card Reward Program Is Right For You?

Fri, 18 Aug 2006 00:00:00 -0400

Whatever type of credit card you're shopping for, student credit card, business card, airline card, most all have a credit card reward program. To attract your credit card dollar the financial institutions spend millions of dollars advertising these incentives with direct mailings and media advertising. It doesn't matter what your lifestyle, there's a credit card that has a reward program that fits your needs. One thing that lures many people into applying for a card are the bonus points offered that are activated when you use the card the first time. They then put the card away and never use it again. This can be a good strategy if you have a high credit score. Please be aware, that if you follow this type of plan, applying for a number of credit cards at once, can have an adverse effect on your credit history. The credit limits allowed by each credit card account you have open also effects your credit score. So if you're in the market for a new credit card, it's best that you pick one card that would be the most benefit to your needs.** End Summary**

About the Author:
Bradley Carson is the webmaster of Apply Online For A Credit Card http://cards-king.com, where he shares his financial expertise about credit cards. See Brad's current list of recommended Reward Credit Card offers at http://www.cards-king.com/categories/rewards_credit_cards

Choosing A Low Interest Rate Credit Card

Thu, 17 Aug 2006 00:00:00 -0400

When you look on the internet for a new credit card, there are a number of categories the various offers are listed under. One such category is Low Interest Rate Credit Card. The question is, 'Is that card offer really a low interest rate credit card?' To attract you into applying for their card, many offers boast of a 0% introductory APR. This 0% APR normally lasts for the first six to twelve billing cycles. After that period, the regular interest rate comes into effect. Is that regular interest rate after the introductory period expires really a low interest rate when compared to other offers? The really low interest rate credit card offers are normally aimed towards people with higher credit scores. So when looking at the fine print of any offer, the issuer gives you an estimated rate of say between 10.99% to 17.99%. Where you would fit in depends on your credit history. If you pay your balance in full each month, you wouldn't really be concerned with the interest rate.** End Summary**

About the Author:
Bradley Carson is the webmaster of http://www.cards-king.com , a website created to bring you concise credit card information and current credit card offers from premier financial institutions. See Bradâs current recommendations of Low Interest Credit Cards http://www.cards-king.com/categories/low_apr_interest_credit_cards offers.

Collect And Use Those Airline Credit Card Rewards

Thu, 17 Aug 2006 00:00:00 -0400

In today's credit card world, there are two types of airline credit card offers. There are the airline credit cards which are specific to a particular airline. Then there's the reward card that allows you to accumulate bonus points you can use towards airline miles. This article is more specific to the airline credit card. Many who travel extensively, either for business or personal use, quite often have a particular airline they like to travel on. Over the past few years, there have been many partnerships formed with the various airlines. These business alliances have opened up a whole new world of ways a traveler can save when they use their airline credit card. The first airline credit card rewards were available just for frequent flyer miles on that airline. Realizing that when away from home, travelers need to stay at a hotel, dine out, or may even play a round of golf or attend a show, partnerships have been formed that can afford the credit card holder more ways to save money while traveling. When choosing an airline credit card, it's best to keep in mind the additional ways you might use your card.** End Summary**

About the Author:
Bradley Carson is the webmaster of Apply Online For A Credit card at http://www.cards-king.com where he shares his financial expertise regarding credit cards. See Brad's current recommendations of Airline Credit Card offers at http://www.cards-king.com/categories/airline_frequent_flyer_credit_cards.

Avoid The Pitfalls Of A College Student Credit Card

Tue, 08 Aug 2006 00:00:00 -0400

Everyone knows that earning a college degree increases your future earning potential by at least double over your working career. This fact hasn't been lost on the companies that market credit cards as evidenced by the number of credit card solicitations incoming college students receive in the mail almost daily. It is essential that you know how to handle this form of new-found freedom and the effects it can have on your future. Most students get their first credit card either before they've entered their first day in college or during their freshman year. If used responsibly, a college student credit card can be as valuable a tool in setting up your financial future as that degree you'll get at the end of your college years. Just as that degree can help you land that new dream job, your credit history can be almost as important, as more and more employers are looking at credit reports when investigating new hires. You need to know how you're going to use the card and how you're going to make that monthly payment.** End Summary**

About the Author:
Bradley Carson is the webmaster and editor of http://www.cards-king.com, where he shares his financial expertise and gives concise credit card information. See Brad's current recommendations of College Student Credit Cards

Cash Back Credit Card - Save As You Spend

Sat, 05 Aug 2006 00:00:00 -0400

To help you make the most of your credit card spending, the major credit card companies have available cash back credit card offers. This can be one piece of plastic in your wallet that pays you each time you use your card. Like any reward credit card, the means by which you receive your cash back varies. You can receive your rebate in the form of a check, a gift card to a specific retail partner, a credit to your statement, and some issuers even make a deposit into an FDIC insured account opened in your name. By comparing the current offers available and reading the fine print, you can choose the way you save that extra cash. Some offers require you to request your rebate, while others automatically issue your credit when a set amount of bonus points have been accumulated. If you receive your rebate in the form of a credit to your account, this is normally done automatically on a monthly basis. There are some cards which issue one rebate check at the end of each year. There are cash back credit cards that offer non expiring bonus points and the accumulation is unlimited.** End Summary**

Compare Credit Card Offers

Tue, 01 Aug 2006 00:00:00 -0400

Just about any day of the week you can open your mail box and out comes a number of credit card deals. Marketed by professionals, of course the proposals look good. But you canât really know how good that particular credit card is unless you compare credit card offers. When you shop for a credit card, you can compare credit card features. Just like with any consumer product, if you are informed about the card issue, you can save yourself money. With a credit card the money you save would be in the form of fees and interest and perhaps rewards. What is the APR or current interest rate? If itâs a fixed rate, this can change with a notification, but this is the best you can do. Some expect to pay in full each month and would be more interested in the perks of the credit card than the interest rate. You need to know the credit limit. After all, a credit card is actually a short term loan. Knowing the total amount you can borrow is essential. Does the card offer special incentives?** End Summary**

About the Author:
Bradley Carson is the webmaster and editor of Apply Online For a Credit Card . See our recommended list of Rewards Credit Card Offers

Gas Credit Card Or Gas Reward Credit Card?

Wed, 26 Jul 2006 00:00:00 -0400

With modern day living and our dependence on mobility, buying gasoline for your car is a necessity. Aside from the grocery store, your single largest weekly expense is more than likely what you put into your gas tank. Letâs face it, those gasoline prices are going no way but up! If youâre one of those people whoâs heart begins to skip-a-beat each time you go to fill your automobileâs gas tank, perhaps itâs time to look at the new gas credit card offers available. Gas credit cards are brand specific, but the savings percentage is higher than a gas reward credit card and most have no annual fee. If that particular gasoline company has a station near you, a gas credit card might be the right credit card for you. The gas reward credit card may be more convenient for those who like to shop around for the best priced gasoline. The Discover Platinum Gas Card has the same reward features of Discoverâs other reward programs with the added bonus of 5% cash back on your first $1200 in gasoline purchases for the first twelve months you have the card.** End Summary**

About the Author:
Bradley Carson is the webmaster and editor of Apply Online For A Credit Card . See our latest offers of gas cards

Small Business Credit Card

Sat, 22 Jul 2006 00:00:00 -0400

It has only been recently that the larger credit card companies began aggressively marketing small business credit cards. If you are a new entrepreneur and have decided its time to get a small business credit card, you are in luck! Most new businesses are sole proprietorships and credit is an important part of growing your business. The credit card issuers look at your personal credit history to see how youve managed your personal debt. A good personal credit report can prove that you take your obligations seriously. As with any credit decision, you need to review what your requirements are before you apply for a small business credit card. The financial institutions are offering numerous incentives for your loyalty such as rewards, cash back, airline miles, high credit limit, and an option to pay over time or in full. A small business credit card can assist with your cash flow. If you purchase supplies to do a job and bill the client upon completion, a small business credit card allows you that needed extension of time. You should keep this in mind and perhaps apply for a higher limit credit card. Consider the invoicing cycle.** End Summary**

About the Author:
About the Author: Bradley Carson is the webmaster and editor of Apply Online For A Credit Card .

Prepaid Debit Card - Guaranteed Approval

Fri, 21 Jul 2006 00:00:00 -0400

The difference between a credit card and prepaid debit card is that with a credit card you are borrowing the money to pay back later, while with a prepaid debit card you are subtracting your own money being held at the financial institution. Most people realize that it's almost impossible to get by without a credit card of some sort. Yet, there are millions of American families that have no bank account and no credit card. They often pay their bills either in cash or by money orders. For these people, a prepaid debit card may be the answer. A prepaid debit card looks just like a regular credit card and normally carries a credit card logo such as Visa or MasterCard. Retailers accept these just like any other card. The difference is at the time you use the card, it is instantaneously deducted from your funds on deposit with the your bank. Advantages of a prepaid debit card are that it's safer than carrying cash, it is accepted throughout the world where the credit card logo is displayed, and you can use it to pay bills by phone or online.** End Summary**

About the Author:
Bradley Carson is the webmaster and editor of Apply Online For a Credit Card . See our latest list of Prepaid Debit Cards .

Balance Transfer Credit Card

Tue, 18 Jul 2006 00:00:00 -0400

Would you like to find a way to save more than $1000 to $1400 this year? If you are one of the American households that has $ 8000 or more in credit card debt, your answer could be a balance transfer credit card. For most credit cards, the minimum payment due each month barely covers the interest. It could take you years to pay off that balance and with payments totaling at least twice the original amount billed. Substituting a higher interest credit card with a lower interest card with a 0% APR introductory offer for the first twelve months makes perfect sense. If you take the time to compare balance transfer credit card offers and figure out a payment strategy, you could significantly lower your credit card debt, interest free. Many of the balance transfer credit card offers include a transfer fee, either a minimum of $50 up to 3%. You need to take this into consideration when computing your savings. Of course the best strategy would be with the intention of having the full balance paid off by the end of the introductory period so you could be debt free.** End Summary**

About the Author:
Bradley Carson is the webmaster and editor of Apply Online For a Credit Card . See our reommended list of Balance Transfer Credit Cards

Credit Card For People With Bad Credit

Tue, 18 Jul 2006 00:00:00 -0400

A bad credit score doesn't prevent you from applying for a credit card. There are many financial institutions that have credit card offers for people with bad credit. Of course the major credit card companies try to limit their risk and are more inclined to approve those with good credit. The issuers who specialize in granting credit card accounts to those with damaged credit do it at an elevated liability. Because of this added risk, the choice of a credit card available for people with bad credit is narrower, but not impossible. You can even use the bad credit credit card to raise your FICO score. When looking for a bad credit credit card, its best to compare a number of offers before you decide which card is right for you. The cards offered for imperfect credit vary from unsecured with low credit limits and higher interest rates, to prepaid credit cards or debit cards, where a deposit is required as collateral for your charges. If you choose an unsecured credit card for people with bad credit, it would be best to pay the balance in full each month as the interest rate charged is higher.** End Summary**

About the Author:
Bradley Carson is the webmaster and editor of Apply Online For a Credit Card . See our recommended list of cards for bad credit

Cash Back Credit Card - The Ultimate Reward Credit Card

Sat, 15 Jul 2006 00:00:00 -0400

The credit card industry has become so competitive, a new and more creative credit card reward offer is being announced almost daily. If you play your cards right, you can make the financial institutions pay you to use their card. Some consumers consider a cash back credit card the ultimate reward credit card. Nothing is sweeter than receiving a check in the mail. So you think there is a catch to this? Well, there is. You just have to know how to handle the cash back credit card. Read the fine print and make a few rules of your own to make you the winner and laughing all the way to the bank. Many reward credit card offers give you options of how you want to spend your bonus points. But if it's cash you're looking for, you need to be sure a choice of cash back is included. Not all reward credit card offers include a cash back feature. You may want to look under the cash rebate credit card option online. You also need to be sure it includes the cash back for all purchases. The cash back credit card offers generally come with no annual fee.** End Summary**

About the Author:
Bradley Carson is the editor and webmaster of Apply Online For A Credit Card , a website created to bring concise credit card information and introduce top credit card offers from premier financial institutions.

Airline Credit Card Frequent Flyer Miles - Reward Credit Card Air Miles

Thu, 13 Jul 2006 00:00:00 -0400

There is a difference between an airline credit card with frequent flyer miles or a reward credit card that offers airline miles. As when looking for any consumer product, it's a good idea to compare the offers side by side. Airline Credit Card With Frequent Flyer Miles An airline credit card is for a specific airline. You earn air miles for every dollar you spend on that airline and your miles are routinely added to your frequent flyer account. If you have a preference to a particular airline, this would be the card for you. The airlines generally have partners such as hotels, restaurants, and car rental agencies and you typically receive points when you use your card to purchase services from any of their affiliates. You may also be given a choice to spend your points to upgrade your flight to first class. Some airlines offer a special bonus of an additional ticket for each ticket your purchase at full fare. An airline credit card generally carries a yearly fee, whether you use the card or not.** End Summary**

About the Author:
Bradley Carson is the webmaster and editor of Apply Online For A Credit Card . This is a website created to bring concise credit card information and credit card offers from premier financial institutions.

What To Look For In A Balance Transfer Credit Card

Wed, 05 Jul 2006 00:00:00 -0400

When shopping for a new balance transfer credit card, take the time to compare a number of credit cards, as the terms and conditions of these offers varies greatly. There are numerous things to consider before you take this step of choosing a new card. Be sure to read the fine print. First, you need to have a plan on why you're applying for this new balance transfer credit card. If it's to consolidate two or three credit card balances from higher interest credit cards to a card offering an introductory 0% APR, there's more you need to know. Some issuers charge a fee for each balance transfer transaction. This can amount up to 3%, or a flat fee of $35.00 for each transfer. So if you have a number of account balances you want to consolidate, you need to figure this charge in also. Some financial institutions only offer the 0% APR on the balance transfer amount and not on new purchases.** End Summary**

Do You Qualify For A Low Interest Rate Credit Card?

Wed, 05 Jul 2006 00:00:00 -0400

Your credit rating is taken into consideration in just about any part of your personal life. From buying a house to getting insurance, your credit rating is important. By maintaining good credit, you can save money by getting lower rates on your home loan to a car loan. A good credit rating can even qualify you for a low interest rate credit card. When you look at new credit card offers today, the majority of them give you a 0% APR introductory period, which is extended from six months up to fifteen months, depending on the financial institution. If you normally carry a balance on your credit card, in the short term this 0% APR can save you money, that's true. But when the introductory period is over, did you get the lowest interest rate credit card available? If you're looking at new credit cards, you need to look past the 0% introductory offer. There is a range of interest rates the issuer considers. If you have good credit and qualify for a low interest credit card, you really can save a lot of additional money over the years.** End Summary**

Choosing A Reward Credit Card

Mon, 03 Jul 2006 00:00:00 -0400

When you're shopping for a new credit card, the immediate features you see that attract your attention are the interest rate and the credit card reward programs offered. If you have good credit, you most likely would be approved for a card offering a 0% APR introductory period. This introductory low interest rate extends with an average of the first twelve months you have your new credit card. With that in mind, the next thing to consider is the type of reward credit card that will fit your life style. It's a large competitive field for your credit card dollar and the financial institutions are very creative in continually bringing out new credit card reward programs. With the ease of the internet, it is now possible to compare a larger number of credit card offers side by side. If you travel frequently, there are a number of travel reward credit cards that offer an accumulation of points to be used for air travel, hotel reservations, cruises, and car rentals. Many of these same offers include a discount on these services too.** End Summary**

Small Business Credit Card - Credit Card Services For A Business

Sun, 02 Jul 2006 00:00:00 -0400

If you are a new business and looking for a credit card, chances are you want a small business credit card. Because you are a new business, resources may be limited as well as manpower. When youre looking for that new card, you should consider the credit card services for a business that the issuer provides. Credit card services for a business when looking for a credit card? Sure. A small business credit card can provide you with more than extending credit. After all you are new and small. You may need all the help you can get. Financial institutions understand the additional control and constraints a business needs over their credit. Business card offers vary just like personal credit cards, although some of the incentives are the same. However, various issuers go even further with their business credit card offers and add credit card services for a business. When looking for a new small business credit card, you want to keep in mind that although youre new and small, you dont intend to stay that way. You want a credit card that can grow with you.** End Summary**

Easy Steps To Maintain A Good Credit Score

Mon, 26 Jun 2006 00:00:00 -0400

A good credit score can be an asset when you need it most. But if you don't regularly monitor your credit status, your credit score can become a liability. Have you checked your credit report lately? By law you are able to obtain a copy of your credit report free every 12 months from each of the three nationwide credit reporting agencies, Equifax, Experian, and TransUnion. The three companies have formed a central agency so that you can request a copy from all of them at once. Its called Annual Credit Report and can be accessed online. This free credit report can be a valuable tool in maintaining your lifestyle and can save you money. By monitoring your credit report on a regular basis, you can catch any errors that may have been recorded and see that they are corrected immediately. Also with the increased crime of identity theft, with a vigilant eye on your credit reports, you can catch any funny business early. There are just a few things you need to do to maintain a good credit score. -First and foremost, make your payments on time. -Stick within your budget and manage your debt.** End Summary**

About the Author:
Bradley Carson is the webmaster and editor of Apply Online For A Credit Card . A website established to provide concise information about credit cards and credit card offers from premier financial institutions.

Student Credit Card

Sat, 24 Jun 2006 00:00:00 -0400

There is a ton of extra literature the high school senior receives in the mail during their twelfth grade year. There are special scholarship offers, student financing, and special college programs, not to mention the number of invitations from Uncle Sam to come join the Navy, Marines, and Army. Having just been through this, I can add to that, at least fifty offers for a student credit card. Now, no offense to these hard working people and their advertising campaigns, not to mention the U.S. Postal Service who delivered these documents; but, the majority of these offers ended up in the round file, aka as the trash, unopened. There is just too much, too fast, and you're busy with other things, like just getting through those last few months of school. As a parent of a recent college graduate and another one coming up, I realize it is important that the college student have a credit card. Now that all of the excitement of final exams and graduation is over, it's time to start looking forward to the next step.** End Summary**