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21-Feb-2017 02:06

These cards vary widely, from loyalty brands to flat rates for all purchases.More complicated than cash back, this is a good way to save hundreds of dollars a year – provided you are reasonably organized.By paying a refundable deposit of say, 0, you basically borrow off of that money with a credit limit that usually matches the deposit.For example, with the Discover it Secured Card, there is no annual fee, and your account is reviewed after 8 months to see if you can transition to an unsecured line of credit, meaning no deposit is needed.You can use that limit to make purchases, cash advances or balance transfers.

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For example, the Chase Sapphire Preferred has an annual fee of after the first year, but you can earn 2X points on travel and dining at restaurants worldwide, and there are 50,000 bonus signup points after a ,000 spend the first 3 months of account opening that can become 5 toward travel when you redeem through Chase Ultimate Rewards.Following is a list of credit card offers designed for students. There are a number of products out there for the new consumer, including student cards and secured credit cards.